Terrible service......... Couldn't log on/wouldn't let me renew password sent all time back to logon. Claims line only and this is automated. Everything online refers back to pre-set answers which didn't solve my issue. Tried to contact them regarding renewal but impossible as couldn't log on/reset password using their system. Time passed trying to get hold of them, sent an email, no response....Now threatening me to pay next years premium .... you must be joking.... 1) beause I can't log on to discuss/address!!!! 2) after all the problems don't want to insure with them again... EVER