After 2 years and with what i thought was a excess of about £75 put a claim in for the first time for £321 after many emails and calls they finally paid out £92. The excess had creeped up to over £200 my fault for not checking renewal but guess what no renewals ever sent. I cancelled direct debit because no one would respond but less than 24 hours after payment was due they contacted me lol. Policy now cancelled. Avoid with all costs