Stay away,at all costs !!!! Stay away, no idea what they are talking about. I had an accident where the 3rd party pulled in front of me and stopped on the motorway. The 3rd party admitted liability straight away. I phoned policy "expert" to explain the situation. The "lady" on the phone said I had hit someone in the rear therefore It's my fault, regardless of what the 3rd party said and I'll be losing my no claims even though it's protected. I got a solicitor involved, who eventually managed to get my claim settled in my favour "Winns sols, very good" Policy "Expert" shocking.