The reason I am rating Quotemehappy.com so low is that their "make a claim" number is a 0844 number charged at 50p per minute on most cellular lines, whilst their other numbers are 0345, which don't have a high charge. I recently had a car accident and called the 0844 claims line. Naturally being shook up from the accident I failed to remember that this number has a very high charge. A waited 40 minutes in the queue until I was connected to a service rep. This cost me over £20, a proportion of which is rebated back to Quotemehappy.com. So in effect, whilst Quotemehappy.com appear to be one of the cheapest insurance providers on the market, they make their money from you by KEEPING YOU WAITING on hold whilst you pay excessive call charges at a time when they know the customer is in distress!!! Frankly... disgraceful!!