I wish i had done more research on this company before wasting hundreds of pounds. Scam. Paid for the higher level cover and the first issue i needed to claim for they refused to accept it was covered despite the policy clearly stating it was. The second issue i was given a list of approved garages to take the car to but it was so out of date that all of the garages have been closed down or moved premises/changed dealers many years ago. They said i could use a garage of my choice, but i have yet to find a local garage who will have anything to do with momentum as all have been burned in the past and all refuse to deal with them. Im now out of pocket with a "warranty" thats not worth the paper its written on. Dont bother!