Been paying for 3 years, first time I needed to use them and what a joke. First they send a mechanic who did more harm than good, trying to unlock the electric steering wheel, forcing it even....then called a mate to come and change the lock, quoting me the price!!! When I said I didn't want anyone to do the work, and request the tow to my garage, I was told at least a 4 hour wait but most likely next day. They kept sending texts to delay the ETA, and in the end I gave up and called a private recovery service to tow the car. Will be cancelling the policy fisrt thing in the morning.