Nicky Davies was very patient and helpful, explaining in detail the policy I was interested in. I was very slow in making a decision to take out the policy but she put me under no pressure and was very professional and thorough. She answered all of my question clearly and I have no hesitation in recommending her. April's policy does not have a no claims system. Other companies can penalise you for making a claim and one or two claims could make your policy too expensive in the medium to long term. I can't comment on April UK's claims handling but I hope I never have to.