Whilst I have not used the service (fortunately no need), the offering meets my expectations. At renewal I was annoyed to see that the automatic process had been completed 2 DAYS before the due date and that I had to accept it. I had called at 08h30 to question the significant increase in premium 38.5% (this within the stated office hours but was told that the office wasn't open until 09h00). When speaking to the agent I was simply told that 'there had been a SMALL INCREASE IN EUROPEAN COVER which clearly didn't accord with the LARGE INCREASE in premium. I thought the agent could have been a little more helpful but I found the 'chat' quite abrupt to be perfectly honest. We look to shop around next year as we have three cars to cover.