Huge red flags, **********.

They look for any excuse not to pay you out. They change your policy randomly and change your fixed premium higher when ever they want for no reason. They add additional access amounts on top of your initial agreements. They constantly add things to the policy's that basically boycot anyone for being helped by them or actually being paid out for anything. You have no control over your own policy as they do what ever they like to it and have no prior communication with the actual policy holder. You wake up to new mandates on your bank account for changed payment amount you have no idea about. Customer service is extremely hard to contact they put the fone down on you and struggle to get hold of any of them never mind when you actually need help if you where in an accident or anything like that. They make up clause and conditions to they policy that never existed when you took on the policy but when you claim they nail you on things that you never even knew about that they apparently asked for in the beginning of the take out of the policy but they also never ask you these things. They say they record the calls but when you ask for any of the recordings they all of a sudden lost them all. Honestly these people are ********** big time. Alot of red flags and basically a ****.