I have to say that service and payment were very promt once mty claim had been received. Getting the claim received was very hard work. It was faxed in at least 4 times and never received (to various numbers following phone conversations). I finally scanned all documents and emailed them in - still not received. I phoned to ensure claim was in motion but was told it wasn't there. I then emailed again while consultant stayed on the line. Success at last. It took about a month to get all this sorted out. Clearly something is wrong in the way claimes are received.