This rating is not for the price (which was excellent), or the cover level (which was great), or the claim process (I never had to make one). This rating is due to the appalling customer service upon renewal. I got a renewal quote of £241 and an offer to "click here to renew", which I did. Whilst on the website, it suggested I could look at another level of cover (from Essentials, to Essentials Plus), and showed only about £12 difference. I click on that option to buy it, but when on the payment page it actually put the policy at over £350! So I thought fine, I'll go back to Essentials level, but that came out at £331. I contacted customer service, and this is where you find out why Quote me Happy as so cheap, because you CAN NOT call them, only use an automated bot chat (which can't answer anything more complex than simple FAQ's), or email. When I emailed them what happened, they simply replied because I'd made a change (I hadn't) a new price is generated. When I explained all I did was what their own website suggests, and look at better cover, they told me once the system has generated a new quote, the old renewal quote is invalid (this is not mentioned ANYWHERE on the renewal email, or the website that I could find). The emails you get from them, are generic, impersonal and simply tell you they won't change and have a nice day. I asked to complain, but was told I'd get a response in 5-10 days....which of course I did not. So, obviously I have gone elsewhere, but my warning to everyone is simply that if you never need to interact with them, and want the cheapest quote, then it's fine. Just bear in mind, for a few extra quid you can probably go with someone who at least will give you a phone number and may make more sense and be better value in the long run. I'd HATE to imagine what they'd be like if you ever need to dispute a claim......nightmare.