This is the worst company, I have ever had the misfortune to use. It is virtually impossible to get hold of anyone, they never ring back, they don't send you your insurance documents via email or post. Then have the bloody nerve to issue a letter, informing you that your insurance is not finalised and you have seven days to send them additional information. If you don't, they will charge you their admin costs. Rip off comes to mind! The charges would seem acceptable to me. Except, I was out of the country on business. So, I was not aware that there was a issue, until I returned home to find a letter. No telephone message on my mobile, no email. Absolutely nothing! Then, I try to call to sort out the issue. You have no chance getting through as they are on half day or to busy! Quite frankly, you have more chance in meeting the pope that get through to this lot! Unbelievable service, from a second rate insurance company/ broker. Unfortunately, I have to start looking at legal action.