I can't begin to explain the total ineptitude of this company. My next day delivery was lost after several weeks of asking for updates. A claim was submitted on the 12th June, confirmed by "Customer Services" that the emailed documents had been received. 2 weeks later & still no refund. I have lost count of the number of people I've spoken with. Yesterday I was promised an update by close of play today. As usual - no update. Yet another phone call & found out the "claims department" has not received the documents. The customer service representative couldn't give me the email address of the claims department... I'm at a complete loss dealing with a company that gives a new meaning to incompetent. Awful communication. Unhelpful staff who do not care. Having to constantly repeat myself & receiving scripted responses. 1 star rating is 1 star too many. DO NOT USE UPS.