They reel you in with low quote then rip you off..I read the reviews but thought. and thought it wont happen to me. I was wrong...I am 62 and when was asked my occupation I said retired cos I was not working. They got back to me a few weeks later.and asked my occupation. which I replied retired.They said your not retired your unemployed. WHich officially I suppose I was..That minor mistake cost me £169..They say there is a charge of £30 or £40 .They also add on lots more Which I dont understand...I also had a neighbour who had an accident.And they refused to pay anything They are experts at finding faults to make money...BEWARE They will catch you somehow