One star too much, but no option for awarding them no starts whatsoever. Refused to pay out on claim stating it was wear and tear. Part of vehicle removed to see the damage and they even refused to put it back to the condition it went to repair centre in. So my vehicle has more damage now than before. I have been an NFU customer for 15 years and have never made a claim and they treat loyal customers like this. I waited over a month for anyone to even assess the vehicle after speaking to the claims department. They have zero customer relations. I will be moving insurance companies ASAP. Would not recommend. Absolutely disgusted with the treatment I have received.