I have taken this policy out for my son, and we have had no problems at all and cannot fault anything with the service. I have had to make contact with them on a couple of occasions as my son decided to have personalised plates fitted and the lady I spoke too sorted everything immediately with no problems or any hidden costs. This week his 3 month review came up and as he has maintained an excellent driving score has been paid back close to £200. I have to say I was sceptical about ever getting anything back when taking out the policy but the money is in his account. What a great incentive to carry on driving well!!