Unethical. Deliberately difficult. Insurance is supposed to be a safeguard and comfort that can be relied upon when things go badly wrong. Rarely have I dealt with a company that saught as many ways to wriggle out of a genuine claim as RIAS. Call after call (which took hours). Having to send ridiculous levels of proof, which even my solicitor said was outrageous, and still they tried to avoid paying out. I stuck with it although it wore me out and got close to a full settlement. I was doing it on behalf of my Mum, hence my perseverance. For anyone elderly or lacking knowledge, it would be impossible. Shameful company. Wish I could put negative marks.