This company shouldn't be trading at all. I had a car insurance with them and had a car accident hit by third party. They don't have a no fault claim service meaning you will pay access and will not be able to recover back at all. Customer services is poor only on chat and email where they ask same question again again without providing you any concrete information. I have comprehensive cover with replacement vehicle cover and should get a vehicle if in accident. Got the car after 3 weeks with the repair garage and they taken away after few days without repairing car. Car written off. Took several weeks to get the money back for written car. 8 months gone and claim still not settled so paying high insurance cost till this is settled. They rely on third parties with no service at all. The other party admitted the fault but imagine loosing your access, paying high insurance costs and daily mental torture. If you want a really headache, mental torture and plenty of money to loose then buy non existing service