Absolutely useless insurance, first off I had fully comprehensive policy. Key accidentally fell into a drain as I got out of the car.My policy says key replacement cover theft,loss ,accidentally damage. Rang them and said it didn't cover that scenario .So that was bad enough then I asked them to send a tow truck as I had breakdown cover,they agreed i was covered.Then I got a phone call from the breakdown guy who said he wanted hundreds extra as it was an automatic and he wouldn't do it otherwise. So breakdown cover was useless to me in an automatic,my car was covered as an automatic in the policy. So when I needed them most they were useless and ended up paying for everything myself. The broker was it's for women but all the dealings was with AIG. I won't be renewing avoid this company.