Stay away from them - everything is misleading and takes 10x the time it should take. You are told about all these wonderful things by sales on the phone but when it comes to starting a claim, managing your care or even just getting in contact, it is designed in a way where it is as complicated and frustrating as possible. I was told it took about 5 working days for a claim to be processed and someone would get in touch for next steps - it's a lie. 2 weeks and I have heard nothing, and each day when I am on the phone for an hour trying to get some information from another advisor, I am told something different. Seems like they are in no rush to organise the claim in any time - avoid these guys.