I have had contact so far with GEM just to sign up for breakdown cover. Interaction via the web site was difficult. It turned out to be that Sophos A-V had detected somewhere on Gem references to Gambling. I contacted GEM by phone. The lady to whom I spoke could not have been more efficient and had the additional qualities of being simple and friendly and had either not yet acquired or had already discarded the sing song tone now customary with call centre operatives who are working their way through a checklist which ends with 'your credit card number, please'. Their site is excellent too: simply, and thus clearly laid out. It pointed me to an App which I can pre-load with my membership number and use with the phone's Geo-locatio facility. Then, if need help, I can simply press my phone and this will call Gem to arrange a rescue So, after one day, Good;