What’s the point of you as an insurance company as you avoid any kind of responsibility in challenging times.

Utterly dreadful company. They agreed to pay £14,000 medical expenses then, after several months delay, refused to pay anything. They took 8 weeks to deal with my complaint and made a partial offer. The case then went to the Ombudsman, which also took several months, and the Investigator agreed they should pay in full. They challenged this and offered 50% which I refused. They are now challenging the Investigator's ruling and want the case to be reviewed by the Ombudsman which will take months. Save your money and purchase a policy from someone else.