I have had car insurance cover twice with QMH and I find their online process totally fine and adequate with a good website. I was under the impression the savings in policy prices was due to lower risk drivers and online service. However having been unfortunate enough to have to make a claim, I have now to my detriment realised their savings are generated by not actually providing comprehensive cover at the same level as their parent company Aviva which they conveniently do not mention in their policy documents. They DO NOT COVER CHILD CAR SEAT REPLACEMENT! ! ROSPA and all car seat manufacturers recommend no matter if the seats seem ok they should always be replaced. Aviva do cover this cost, but QMH do not. I was offered £150 towards personal belongings damage which given I had two car seats to replace doesn’t even touch the sides! QMH took over 4 weeks to repair my car and 5 weeks to reply to my complaint regarding the car seats costs. The complaint reply was a standard template later FROM AVIVA stating the QMH policy meets the legal definition of comprehensive cover but that AVIVA choose to go above and beyond this. I was even told by my claims handler that if my accident was someone else’s fault they would have claimed the full cost from the other party!!! So it is necessary to replace car seats when someone else is paying but not if it is them!! I will be following this up with the Financial Obudsman A’s nowhere in their policy documentation does it mention car seats and in the list of personal belongings is items such as phones and handbags. I believe this in being intentionally deceptive. BUYER BEWARE!