Not sure if the stars are working - I tried to give four. I would have given Explorer five 5 except for one thing ..... they usually remind us when renewal is due. This is particularly important when, like us, you buy annual multitrip. This time they did not remind us which produced 2 negative results.. ... 1. We were unaware and actually travelled without insurance! 2. When we realised and re-bought our usual policy, the price had close to doubled. Previous increases had not been so steep so I assume this was because there was a time lapse rather than rolling on therefore keeping any loyalty/no claims bonus. I am unable to comment on other aspects of Explorer's service as we have never made a claim.