By definition a "self-service insurer" however this actually extends to dealing with third party claims yourself, Defending their County Court proceedings and at this rate, paying the third party yourself. Following a 50/50 split liability incident in April 2018, I asked QMH if they needed any help disputing the TP damage claim. They declined, saying it was modest and would be paid in full. Fast forward to September 2021 and proceedings arrive at home, the third party suing for unpaid vehicle damage. Three weeks on, QMH have made 1 phone call to me offering mainly excuses and platitudes and have yet to either confirm they have paid the claim or, alternatively that they are placing a Solicitor on record. So, I'm now Defending the claim myself. Fortunately I've 20 years experience in Civil Litigation but that's beside the point. This utter atrocity of an insurance company are effectively happy to let their policyholders get a CCJ against them through their poor performance. I've had 1 fruitless live chat, sent 4 emails, 2 contact forms over 3 weeks and still no interest from QMH. In short, don't insure with any Aviva underwritten company. I swore I never would as I see on a daily basis how terrible Aviva are from within Litigation, but was tempted by a really low price. Never again.