Bad service and double+ premiums for private members.

Avoid, avoid, avoid. I've made use of Xelus Gap Cover for many, many years, prior to the name Kaelo appearing. While their service has consistently degraded over the years, the real kicker came for me recently when I transferred my gap cover from my employer to my private capacity. They more than doubled my premium simply because of this change - far more expensive than their competitors. Horrible service, combined with ridiculous premiums - do yourself a favour and avoid them.