First what are they actually good at? Collecting premiums must be their forte they brag about on their corporate website next they are superb at denying valid insurance claims. They will even make material changed to a policy while it's in force to evade a genuine claim. They are brilliant at being deceitful and dishonest. Do not understand any circumstances insure with this company. You pay the premium AND carry the risk. My claim was for relatively minor damage to see me STEEL road wheels. The moron who inspected the car decided they were alloy and disallowed the claim. How can you mistake a steel wheel for an alloy wheel? The claim was disallowed because they said I had modified the vehicle fitting alloy wheels, I had not. There was no appeal. These people are crooks keep well away. I have not had another claim since then, 7 years ago, and in that time they have lost over £4000 in premiums, long may that continue. (The claim was £90).