Shocking, absolute scam. With them for two years and then my monthly payments were increased by 50%. They said because of claims made previously. Looking at my claims I’d had one a minor operation about a year in that was a disaster and that was it. They’ve claimed to pay claims when they haven’t and not only spending an hour to get through you’re then lucky to get someone with any customer service skills. Now have to ask my bank to prove no cheques were cashed as they refuse to accept and no refunds received for overpayments after cancelling my family’s policy. These people are a nightmare. Use someone else.