There is no reason whatsoever to use this insurance company.. This is more akin to embezzlement than insurance. Annual premium increase with no justification of 2.3 times to £690 per year, or roughly the same as house insurance!!!!! Limit of £1000 pay-out annually, less 20% for no clear reason, less an excess £99, leaves a paltry sum paid back once the premium is subtracted. We called them and the receiver sounded like we just woke them up. If anything serious happens requiring thousands in costs you will see a tiny, tiny fraction of it back, but looking other reviews here I would guarantee anything from this bunch of.........