ITS A CON DONT DO IT!!!!! I wish I had read this before signing up So far almost nothing I have claimed for is covered (I wont list them all as others have done a better job) I made one small claim after a couple of months and they only covered part of the costs On top of that I have a few month left on the policy so I decided to try and cancel, I was told that as I have made a claim I can only cancel buy paying all the remaining monthly costs. obviously there is no point in canceling... Ok I shoulc have read the small print but I was told when I signed up that IO could cancel the policy at any time and there would be no problem. the Sales advisor did ilude to potential issues if I had made a claim but this was in no way made clear I HATE companies like this I hope they go out of bubsiness and Im sure they will soon fingers crossed