Having had enough of several other service providers, their dubious business methods & lack of principled integrity, I found GEM via online reviews. Sign up was very easy, information & cover details were refreshingly clear & to the point, voiding the the necessity for direct enquiries. I am content with my new cover & have far more confidence in what they say they can provide & do should the need arise. The only downside was the lack of a monthly payment plan for those on low incomes; but the policy cost was excellent compared to the AA (twice the cost & some), who wanted in excess of £220 for my cover needs. At this point I can heartily recommend GEM as the best of all such service providers.