I applied via the phone as I had two cats to insure. They were not the cheapest from my web research but I liked the tone and clarity of their website material. I dealt with Louise who handled my questions and applications very well, and not from a script! Product literature arrived minutes later via email. So no complaints about the application process. Hopefully, I wont have to claim but that is when the real test will come and I hope that the service then will be as good. Many thanks Louise.