I have been with them a year. Mine is set up with no deductible so it should be a flat 90% coverage. I have tried to make 1 claim for about 200 and a couple small claims. After 6 months I am still waiting for the small amount they will cover from the larger claim and have heard nothing on the smaller claims. Now I have a 15% increase in my premiums. They do not respond to emails, even ones directed to individuals rather than the general query email.