Declined to renew policy for no reason. They never paid out my claims after the theft of my car. Worst service and you will never be able to get through to them, phone system makes sure that you get cut off first. I would say keep away I couldn't imagine how bad and stressful it would be if you needed to make a claim. Once you make a claim, first they take all your excesses, reduce your NCD to zero and they will not renew your next policy once it expires or cancel it without reasons given. None or my complaint letters got replied nor letter replied. Their complaint head office in registered in Gibraltar, so any complaint correspondence never get replied. If you do not want any regret stay away from this insurance company or lose all your NCD just stay away. All they care after is your money and