This company has new intentions of honoring people's claims. They are only interested in taking people's money and investing it to gain more. If you put a claim in them will automatically look for ways out of it. If you make a complaint that will use there internal systems and the IFSO which are supposed to be independent but are actually 100% paid by them so they are not in anyway independent. If you want results I recommend the use of a Lawyer and putting in front of a Judge. They are independent and not paid by them. Let's look at the definition of the word Insurance and ask the question what is at that we are actually paying them for.