I am with the N.F.U and I have claimed for a total loss on a new for old policy and had a new van on my drive in just ten days,and all done on the phone/camera.They were brilliant,its true you get what you pay for but they were not the most expensive.Unfortunately you cannot put a negative report on an insurance comp which are more than lacking in the service they provide on this forum,I am glad to recomend the NFU for the excellent service they have provided for me.