You wait ages for phone to be answered then you are onto a AI response before you get to an agent, then when you do the agent asked the same questions, a total waste of time, get rid of AI. When you think it is sorted and go back to them the agents do not record the info for another agent to look at and you have to start all over again, they say they have to treat like a new enquiry. We then get to medical questions which they are not qualified in and only go by the guidelines on their system, not what the actual medical facts are and the condition definition. Very poor, then you get to the price increase and this seems to be the same percentage as the increase in profits. One thinks they should have an extra wealth tax imposed. They scare you into thinking you need this and yes you do but claims have decreased not increased and then they tell you the worse case scenario and that how wonderful they are in dealing with this and paying out claims quickly. Also how wonderful they are in repatriating you if required, however it is not them who do this they outsource this to a specialist company. Customer service is zero and they need to stop scaring the public and then taking hard earn money from you. Would be nice if they were honest and upfront. The problem is you need cover in case, but there will come a time when older people will stop buying it and take a risk due to the cost. Set sensible prices and increase business better to make a smaller profit per person and then you will increase business and turnover, not rocket science.