Positive reviews seem to centre on the ease of taking out a policy- not so many are happy with any help or advice. Just found out I have inadvertently had 2 policies running as I renewed on line last March after reminder email re auto renewal but I changed to exclude Greece- but stay sure re instated original one 5 days later on auto renewal. £108 and £94 - no refund of any kind on either policy even if I cancel one now . Advisor on phone just kept flanneling about the policies being different and one was done on line the other auto renewed. Wonder what would have happened if we had claimed in this year- I expect no pay out as 2 policies would have negated each other and seen as fraud?