Electronic documents incomplete, and website next to useless. Communications poor. They appeared to be completely baffled by me changing insurers at the same time I was purchasing a new car, surely an everyday occurence for them! They made it excessively difficult to transition from one insurer and car to the other on the same day, saying I couldn`t have two sets of insurance with the same no-claims running concurrently, and I had to come up with additional proof this was not the case. I know you can't use your ncb on more than one policy, but most insurers ignore this anomaly for the few hours overlap. I could not recommend Octagon.