OK for Insurance comparison quotes; very lengthy online procedure; not quick; technical collapse of Lloyds & M&S sites when went to them for more details !!! : also I was phoned afterwards by a GoCompare rep who asked me ALL of the same insurance application questions again !! this took 23 minutes of my valuable time ! Then he had the cheek to transfer me to some idiot at an insurance intermediary (A...F... )who wasted another 15 minutes and we got nowhere. In the end i managed to access Post office where I finally got some help. EXPLAIN HOW I GET MY £250 EXCESS WHEN THE TIME COMES THAT I MIGHT NEED IT ??