If I could give zero stars, i would. I am a customer only because I have travel insurance via Halifax clarity and Allianz is their provider so I don't have a choice. My flight to Morocco was cancelled last minute in October 2022. We had to take a different flight with 3 different legs just to get there which cost a fortune. I submitted a claim on return which was never honoured. I never received a reply despite multiple emails. After a dozen calls I was told that the claim was closed and I wasn't eligible for compensation because I had checked in online and I should have checked in at the airport before the flight was cancelled. Not so much as an apology. My friend who took the same flight as me and has the same Halifax clarity account was compensated in full. Fast forward to August 2023, my flight from Venice was also cancelled after check in. I started a claim in September. Sent all the receipts required. I never received a reply. After multiple emails and a formal complaint, I received an email in April 2024 asking for email from Ryan air offering an alternative flight. No such evidence existed so none could be sent. Then Randomly I get another email saying they have paid me a compensation which was inaccurate and about half of what I claimed for. They paid 49 pounds for compensation for accommodation for 2 nights. It was a 5 star hotel in Venice so 49 pounds would probably be just the parking cost. They then sent another email offering 150 pounds as a gesture of goodwill to close the complaint. I replied to both emails asking how they've calculated the amount they have paid and also refusing to accept their goodwill gesture unless there is a fair resolution. They never replied despite multiple emails. I have sent yet another email and if no response is received now, I will take the matter to financial ombudsman. Stay away from these guys. They're not even that cheap.