have tried their home and contents insurance and car insurance, for a couple of years now. recently had a window repair claim which we had no difficulty with (settled quickly, followed up with me with satisfaction survey and email, claim form done over phone politely, great communication). appreciate how they dont operate under the rating system (which is a such a farce) where you are penalised when you make a claim by an increase in your renewal premium, have never found them difficulty to get hold of on phone (waiting time). the car insurance policy was fine, never had a need to claim though, but the paying for km is a good idea but gets a bit trickey as difficult to estimate how many km you will do in a year and although you can top up you have to make notes on your calender to remind yourself to keep an eye on it as if you go over and need to claim you are not covered (and we did go over and i didn't realise for several weeks) so decided not to renew just from this issue. there insurance rates are very competitive and often a little cheaper than other companies. did not use their landlords insurance only because they dont offer "rent default by tennant" which we required.