I had a query as the on line system appeared not to let me add something I wanted extra on my policy. Rang the companies number and after explaining my problem had someone who talked me through step by step on how to add the item. I then said I would take out the insurance and was informed (not trapped) that if it was done on line there was no charge but over the phone would cost extra. I then did another review at a later date stating that I was unsure that that I liked the idea of the documents relating to the policy were on line but I could appreciate that this may help keep the insurance costs down. Within days the company sent me a set of hard copy without any request on my part. I cannot comment on their ability when it comes to dealing with claims but if it is anything like their friendliness whilst still be very professional when taking out the policy I could not fault them.