Avoid them like a disease. They managed to get me to waste 7 hours of time (so far) after they lost our parcel sent at a high cost last October. They make out that they're efficient but the opposite is true. Finally they said to claim via their website but it does not work. Then they said the only way forward is to go a PostOffice, collect a form, fill it in and then put this in your own envelope, pay for a stamp, address it to a PostOffice box so they can collect and decide. Even though the claim sum is quite low they want proof of purchases by receipts etc. In other words they are throwing obstacles in your way so they can avoid paying out. They even demanded the expected receiver fill out a similar form, again proving costs with receipts. Two words, Total Madness.