Do not bother unless you never plan on claiming which can happen to anyone. I was hit by someone else on a roundabout from behind. I did the normal thing of reporting it immediately....well I planned to, I was put on hold for hours eventually the only way I could get through was via making a complaints department. It was obviously the opposite parties fault although the opposite party desputed it although had admitted fault at the time of the incident. To get my car repaired I was expected to pay the god awful high excess and told it was unlikely I would get it back even if it was found to not be my fault. Eventually I got some sense out of someone to begin with and seemed helpful, now I cannot get through to them. 4 months later still no progress car still damaged after ignored emails, and unable to get through via telephone, lesson learnt don't take out the cheapest premium just to be "legal". Once my insurance expires I will certainly not be going back. Absolutely awful customer service, so I am left with a damaged car which I will have to pay to get repaired privately, ridiculous.