Clear and transparent pricing and terms & conditions. Although freebie benefits are basic, so need to upgrade or purchase stand alone policies...e.g. breakdown cover. But this looks to be standard practice across other providers. All online. So chatbot or an agent if needed. Only reason to mark down to 4 star is it said you can opt out of auto renewal at the end of the term, which I i then found impossible to locate on the portal. An online chat with an agent sorted this... However actual scoring for me is only relevant if and when a claim is made...which hopefully won't happen.