Poor company happy to take your money but God help you if you need to use them my 20 year old son has need of a pediatric neurologist ACA have taken money from me for 3years turns out in there own words 'pity you live in Scotland there's s shortage we don't have any one to help you. If you lived in England you would have no problem' is there anyone apart from the scumbags at AXA that find that statement an exceptable thing to say to two parents worried if their son is going to survive? They then told me that they are not responsible and their only task is to put me in touch with a doctor.neefless to say I am looking into how to due this terrible company. You have been warned don't use them they are really really bad