Website where your policy is stored is regularly down (actually I only ever was able to access the site once since I am under contract). I had a key claim to make but I could not check my policy online, and it took ages to reach someone on the phone since the site has been done for 2 days in a row (minimum). It took 45min of wait to speak to someone, who struggled to find the number to direct my query to (add another 5min!?!) where my details were taken to find out that I had 48hrs according to my policy to make the claim. Absolute joke. But happy Chris because she pushed back on a claim and saved money to the business using a policy clause I cannot see myself since I have no access to it online (obviously they do not send any hard copy). Appalling.