I have been with Privilege for at least 3 years and have not made a claim. My car (a Mercedes C220) is the same car for the past 3 years and all other aspects of my application is the same. Today, they declined to insure me and gave no reason for the decline. On further investigation, their underwriters and the underwriters of many insurance companies are UK Insurance Ltd. I will trawl for for better companies who do not use UK Insurance Ltd. I am also pursuing UK Insurance Ltd with my lawyer and the Ombudsman for unfair treatment. In America, where I lived for 19 years, a Class Action Law Suit could be mounted. This company needs attention as they are now preventing me from getting any car insurance!!!