Honestly, this is one of the WORST insurance companies i have ever come across. before taking out this policy for my partner i should of read the reviews and maybe i would not of wasted so much time and money! my partner has been crashed in to twice whilst being insured with this company and both times they have not sorted it out, the customer service over the phone is TERRIBLE! You can never seem to get the right answer or they just tell you what you want to hear but never actually go through with what they are meant to do. As well as that you sit on the phone for about 45-60 mins before you even get through to someone , majority of people work and dont have that kind of time to be waiting!! AVOID AT ALL COSTS!!!!!! AVOID AVOID AVOID AVOID AVOID.