I can only assume the 5 and 4 star reviews are fake, this company is a joke. I submitted a claim back in January (3 months ago, so much for 'someone will get back to you in 2 days') and I've received no response, I made a complaint about receiving no response, and I received no response from the complaint. I've phoned up, but have also received no response after being on hold for half an hour at premium phone rates. I messaged on facebook, and received no response. I guess it's a pretty good business model - you don't have to pay out if you ignore your customers claims!