I was so cross that I feel I should let everyone know what poor service and cover you get. I changed to M&S insurance as good name and thought I was getting a quality cover. On having to make a claim for my pet they only paid one per cent of the original claim. When I rang and quiried it they said I should have read the small print, they are charging me a double excess! The customer service advisor was abrupt to the point of rudeness and I had to keep ringing them for any information about my claim. Will not be renewing with them and if you have a policy with them, check the small print!