If i could leave zero stars i would. If you call sales they pick up the phone within a minute , if u call claims you have to wait at least an hour to get through. I made a claim online on 1st November , now its the 18th November , no response and i am currently waiting on the phone and have been for nearly an hour. I have paid then approx £5000 in monthly installments over 5 years and used them once (phoned up and waited for 90mins to claim) They dont look after their customer base but are keen to keep taking on more and more customers when they clearly dont have the staffing levels to look after their current customer base.