I myself have only found out recently what this company is like, i have been with them for years, they hit you when you are vulnerable and the last thing you need is an argument, they rely on you telling them to get lost and you walking away, and know in time you will forget about them, they have your money and it cost them nothing to get it, you pursue them in anyway you can, imagine if everyone complained to the ombudsman about them and the society of insurance, trading standards, your member of parliament, an election is not far away, time for the politicians to please us, they only exist because of trusting people like you and me, we could close them down if we stick together, after my experience with them I am convinced every story on here about them is true.