Can only give four stars as I've never had a claim , but spoke to SAJ , he was very understanding and made me a good offer for my Hootpoint gas cooker. The manufactures warranty is due to run out , and having purchased the cooker through AO .com they contacted me with a quote of nearly £8 pounds per month. But SAJ was able to quote me the same type of cover for £52 annually, .i snatched his hand off, I'm an exciting customer.if I have the misfortune to have a breakdown, then I only hope the staff are as pleasent to deal with. I'm sure five stars will be given if I have a breakdown. GStanford .