Poor service

If you are already insured with them, good luck when you have a claim. I was involved in a accident. My car was standing still and someone drove into me. I had to pay excess fees, which I know I'm obligated to pay. I was then advised that I'll get my excess fee back. Its been months now and they are so poor in communication that I decided not to pay my premium. I skip my premium and boom I get a phone call. I'll take my money elsewhere and hope things go well for those who are insured with them.