Whilst being fairly competitive, I can't say what they are like if you have to make a claim as I have been lucky not to need to make one since I have been with them. Just the same, I always do a comparison check before even thinking about renewing. Sometimes I renew online, or have taken out a new policy with them through a comparison sight after trying to negotiate on the phone. YOU DON'T GET ANYTHING FOR LOYALTY WITH MOST COMPANIES!!! Please use every method to get the best price you can, because if you have to make a claim insurance companies will do their best to pay out as little as possible!!!