Well I purchased a scratch & dent insurance policy from this company. After about 7 month I had to make a claim from some scratches and a minor dent. The scratched were under the length limit as per policy. I sent them pictures and without even sending someone to look at the car they rejected my claim stating that the scratches are too deep! So essentially they are selling you a policy for minor scratches which one can easily remove using scratch removing creams like T-Cuts. Customers are duped into thinking that a deep scratch or dent would be covered but they are not. Only those scratches are covered that could be easily removed at home by the policy holder. Don't waste your £160/Year for nothing instead give business to local body shops to get deep scratches removed at fraction of price. You can always remove light scratches yourself with T-Cut!!!!