All i can say is you never know how good or bad your insurance is until you needed it and when i needed it it was bad. So bad i found i had a CCJ issued against me simply because the company never responded to the other party. I only found this out by accident. Axa i assume are the underwriters did get it removed but it should never of happened in the first place. Ended up in court and won the case but good old swift haven't updated there records after a month so i cant pass the no fault to my new insurers as i wasn't going to stay with them. Cant get through on the phone to resolve. Rang 6 times and just get the same music. Very Poor