I had an accident (not at fault) and took 20 months to resolve! refused to give me my no cliams while the claim was going threw then when it went threw held the excess and wouldn't give it back then they cancelled my insurance without telling me for some reason (wouldn't actually give me one apart from "oh it must not have been renewed") then charged me £200 more than the previous year! then i Went to add my spouse to my policy and was over £300 more expensive than the cheapest on compare the market..... very quick to take money not so quick to give it back or resolve anything get a grip