Very Sorry, I always try and be positive but in my view your "Policy Wording Document" was 32 pages of "What Is Covered" followed by "What Is Not Covered" which tried in every way of wording to "Off Set" what was covered. Let me give you an instance:- Page 22 Section B9 "What Is Not Covered", Point 2C:- Breakdown of any vehicle owned by you which has not been serviced properly AND maintained in accordance with MANUFACTURERS INSTRUCTIONS. My own vehicle is 7 years old has done only 9,000 miles, serviced regularly & M.O.T, by my local garage who I have used for over 20 years, surely, a vehicle which has been serviced on a regular basis should be sufficient from an insurance claim point of view. I don't know how many people work in your office, but it would be interesting to know how many drivers could say they are sure that their vehicle has been serviced in accordance with the Manufacturers Instructions, and "Prey Inform Me" but how would this be checked out if a claim was made, I don't know of any Manufacturers Appointed Dealers who specifically indicates on their "Paper Work" that "This work has been carried out in accordance with the Manufacturers Instructions". My point is:- "Serviced Regularly" would be far more "Customer Friendly" that "Manufacturers Instructions", perhaps my rating of "Very Poor" will offer "Food For Thought". Kindest Regards, R. Vaughan.