absolutely disgraceful and nightmare to deal with! I am a non customer and have had an accident which was not my fault. the issue has been ongoing for 8 weeks. They are the underwriter of the Halifax insurance no way I can get through them . last two weeks I have been trying to call them every time I wait an hour or two on the phone and the line cut off . I have had nothing but stress and unpleasant experience from the third party team. All providing contradicting information and making excuses to pay out. This has caused a great deal of stress and inconvenience. Disgusting company to work for . AVOID this company at any cost