They cold emailed me at my cats renewal date and I got a quote from them which was quite a lot cheaper than my existing company that I had been with for years. So I swapped. What a huge mistake. I recently had to make a claim which has been rejected as they say I entered an incorrect date of birth for my cat online. I know I didn't as I know my cats date of birth off by heart and he is 10 next month. Strangely it was altered online as if he is only 9 next month and they only insure cats under 9. I am now left with a cat with no insurance and can't get insurance anywhere else as he now has a pre existing condition because of these idiots. They took forever to deal with my claim and in the meantime I have had to pay out about £500 for treatment which I cannot get back, leaving me in debt on my credit card and all of this would have been covered by my previous company. Nci are dishonest and did everything they could from day 1 to try and avoid paying out on my claim including now lying about what I entered online when I applied. Don't use them just because they are cheaper. You will regret it !! Their staff are rude and condescending and spoke to me as if I was an idiot every time I called. They have now cancelled my policy as if I am a criminal and left me with no insurance. Biggest regret of my life taking a policy with them and I now have the heart breaking choice to make if my cat gets ill or injured again about whether I can afford to treat him or not . I thought I was being sensible and have always had my cats insured.