Customer service is dreadful with the operators not understanding the questions you put to them and not giving the answers required . I took car insurance with them and at no point during the application did they say that NCD on fleet vehicles would not be accepted . I then tried to change the policy to zero NCD to see how much the new cost would be and numerous stressful emails later i found you simply could not make that change .The are now trying to charge me for the calculation even though they did not mkae it clear that fleet NCD would not be accepted . You can't speak to anyone and have to wait 24 hrs or more for a response , absolute joke , do not touch .