Yet another slimey insurance company who don't live up to their side of the bargain when it matters. I am now of the belief that there is literally no point whatsoever in taking out insurance; you're better off taking your chances and being extra diligent, rather than have a false sense of security with an insurance company who will literally do absolutely everything to get out of their obligations. Common sense, logic and reason do not apply. Save yourself the years of wasted payments, it won't do anything for you. Even if you are a fairly switched on character and spend the time, going through your policy, making sure you know the ins and outs of it, keeping your policy up to date, they'll get out of it, don't you worry. And even if they do pay, there will be such a deduction (from hidden increases in excess using a 7 DIGIT CODE!! - which corresponds to some other figure - not the excess figure clearly written on your excess!! This ones a new one, you'll never keep up with their ever evolving ways of wriggling out of it) that you will end up writing a review such as this.