Very poor experience. It took several telephone calls to arrange a simple insurance worth #138. The operators obliged the caller to give details of existing policies before passing on to another operative who asked the same questions. In my case this happened several times. On one occasion I was left holding on for at least 10 minutes while the operator re-booted his computer. The operator tried to sell additional items despite being told I wanted only to re-new the insurance. At the end the operator read all the conditions of the policy at such a speed that it was not possible to absorb all the issues involved. Altogether a necessary but unpleasant experience.