As mentioned earlier. Proving no claims was impossible - spent two weeks being sent automated emails with infuriating "NCD not accepted' and a list of what they accept. Not much better when you call, vague responses and no commitment. It takes 3 - 5 days to review every submission, so you're never sure if covered until the computer says no. Ended up taking the £55 cancellation hit afte they doubled the premium and went with a proper insurance company . . . I've banked with Lloyds for nearly 30 years. . .will spend some time looking at alternatives. . very poor.