I think all good reviews for this company are from those people who either didn't make a claim and in courtesy gave review or did small claims as if you make claim which is beyond £1000 they will hire some so-called engineer whose internet rating and reviews are pathetic and they will give such reasoning on which they don't have to pay for claim. As that happened to me, when I asked for an explanation on an issue from that independent engineer this is what they said, quoting below, they not even sure whether its bearing failure or transfer gearbox but they sure about one thing, the issue was preexisting ... seriously.. this is level of their independent engineer From lauren at ace-uk.org Further to your below emails, I have referred these to our senior engineer Mr Thomas, he has reviewed your emails along with the report. We can confirm that at the time of our examination and road test the engineer identified that the vehicle was noted to skip and displayed a grinding type noise consistent with an internal transfer box issue. This on the balance of probability is the result of either a transfer box gear or bearing failure, the latter being the most likely. It is unlikely that the transfer box has suffered a sudden breakage based on the mileage the vehicle has covered and the noise in our opinion and our experience in matters such as this would have been commencing at policy inception. We trust the above is of assistance. Regards Lauren