Waste of time!!!! Young driver have been driving for over two years and have no claims unfortunately had an accident with my car resulted in a three car pile up due to wet road surfaces preventing the brakes from working police have been and were not taking any further action and no one would be held liable as it was poor weather conditions and were out with the drivers control due to my car being quite old on impact it took the full force and crushed like a can, severe front end damage the car that was hit in the rear has almost no damage at all a few scratches in the bumper, mines however is completely undrivable I pay extra for recovery, so had phoned up to have this done I'm full comp so expected better treatment than what I got, I was asked the same questions over and over again and ended up on the phone for almost two hours and was then told I would have to wait up to 4 hours for recovery to get my car and that they would not give me a claim to have it repaired or even pay out if it was written off (the front end is in the windshield so it probably is) after a long discussion after having talked with police while on hold they moved my car into a safer location so it was not in the middle of a road and that is where it will remain I'm now without a car and two passengers taken to hospital no chance of a claim or any way of getting my car fixed or replaced I now need to get someone to remove it from the ditch and I'm now honestly expecting my no claims to go out the window eventhough they have literally not helped. Actually ridiculous that they expected me to wait on the side of a high speed road in the pouring rain with two younger kids one with a broken wrist and crying in pain while we wait on recovery for 4 hours, and then make no attempt to help out with my car. what am I actually paying insurance for!!!! Probably going to cancel since I don't have a car to insure and I can't afford another one, definitely do not recommend.