The worst Insurance company I have EVER had to deal with, and having been in the motor trade for nearly 50yrs that says something. I have had to make a theft claim on my much loved Yamaha, then the trouble started they passed on the investigation to Exam works Investigation, they wanted so many photo's and details you just know they were on a fishing exercise to try to refuse or limit the claim. even though the Yam was stolen from outside a friends house, they insisted on pictures of my garage!!!! 5 weeks on and still NO payment then they ask for proof of No Claims even though it was proven when taking out insurance so WHY do I have to back up the proof they already accepted 12 mnths ago ??? Phone calls!!! they always promise to call back, that never happens, I spend hours talking to a person that argue black is white and thats company policy crap. I'm at my wits end trying to get recompense for my loss and all I get is more questions NO answers and when they do offer a settlement is any body of the opinion it will be a fair one!! Their charges are also a issue averaging £45 pounds for a detail change?? their excesses are the highest I've ever encountered. not a problem really till something happens still : why!! I had 9 years no claims till this point, their documents DO not state they only accept 5yrs max and never informed me when taking out Insurance so 9yrs goes back to 5yrs then on step back goes back to 3yrs so when re-insuring with another company 3yrs is all they give so your insurance virtually doubles and is higher for the next 3yrs!! They say they operate out of a state of the art centre in Northampton BUT are listed at the MIB as a foreign Insurance, head office is in GIbraltar., PLEASE PLEASE DO NOT USE THIS COMPANY if any happens you WILL regret it and the ensuing costs with added aggravation.