I have been on hold for 45 minutes only to have someone pick the phone up and say there is up to a 45 minute wait to have the call answered and put me straight back on hold. I am just trying to make a simple policy adjustment and there is no online chat facility available. This has given me time to read my existing policy and be aware if you do have to make a claim you have to pay £200 additional on you excess for the privilege. if anyone in customer service would like to pick up my call this would be great as I am nearly a further 30minutes down the line. And will submit another review every 15 minutes I am on hold