Honestly pretty simple system easy to set up a new policy. pricing seems reasonable only reason i've not given 5 stars is because they wont let you use Third party add-ons for Hire and reward (for example zego) was dabbling with the idea of trying uber eats for delivery and came across zego as a pay as you go (pay by the hour) hire and reward insurance to co-exist with my policy with hedgehog. both cover completely seperate things, hedgehog for sd+p and zego for h+r (time im delivering) so i really do fail to see the issue. guess ill have to wait with that idea untill next year. and specifically look for an insurer that accepts the use of zego without invalidating my policy.