Horrible company. I haven't taken out any policy with them, but from their customer services team and the way they are ran, here's my observations: -) The Customer service team does not know much regarding the Policy. Any additional questions on the Policy wording is extremely difficult to get a concrete answer to. All the questions I've asked are pretty easy to answer and standard for other insurers, but no one seems to know. -) Customer service team do not get back to you when you say they would check with the their team, you have to chase them up more than once to get your questions answer -) I would be extremely wary of what will happen when I make a claim, it would be extremely easy for them to turn around and tell you that you've not understood the Policy correctly, or that you've missed something. Try calling them yourself and see. My advice is to STAY CLEAR!