Insure4music

Sorted the pet insurance for my puppy and the verdict is that it was painless. The quote was quick, the cover started the next day and the documents came through by email. I liked that they let me set the policy start date to match the vet appointment.

Their excess options are laid out better than most, you can see exactly what each level costs you in the event of a claim. I went for the middle one. When I did have to claim on a cracked lens, the first reply took three working days and the handler kept asking for the same photos twice. Once it got going it was settled quickly and the money landed the following week.

Brilliant for a first car policy, and I'd say that to anyone. Took about ten minutes to sign up, the cover started straight away and the documents were in the app. Good value for a 20 year old.

Got bike cover for my commuter bike through the site. Quick to set up on my phone, cover started that day and the card came through on email. Only thing is they wanted a photo of the bike serial number and it took me a bit to find it.

Our policy is for our wedding band and a few family pieces, and it has been with them for years now. The verdict from me is that it has never let us down. Renewals are sorted by email and the valuation updates are simple. We have never had cause to call, which is exactly how we like it.

I bought a motor policy for my wife's car and everything was set up through the website without needing to ring anyone. The documents arrived by email within minutes, and the renewal notice came on time. I found the details clear and the cover is what I asked for.

Looked at a few sites before I went with them for my home policy. The specific thing I bought was contents cover for the flat, and the price was the lowest of the quotes I got. Set up in about ten minutes and the documents came through straight away.

Had a commercial policy with them for a small consultancy and the verdict is that it works well. Quote requests are answered quickly, the certificates come as PDFs straight away and the endorsements are simple to add. I have used a few brokers over the years and this one is the least faff. Would use them again for any business changes.

I needed to update my home policy after moving to a new postcode, and the rating changed a fair bit with the new area. Made the change online and the revised schedule came through straight away with the correct sums insured. Covers the rebuild cost properly, which is what I look for.

Switched from my old provider and this one came out cheaper on the bike and the car. Way simpler than the old place, which made me wait ages on hold. Quick and easy.

I needed a travel policy for a trip to visit family abroad, and I had left it to the last minute. The quote was easy to complete, though the medical questions took longer than I had anticipated. The documents took a day to come through, which was longer than I would have liked, so I did have to chase them once.

Got my first car policy with them and it was cheaper than the first quote I got elsewhere. Signed up in the app, cover was live straight away. Nothing to moan about really.

I have been with them since they first started and the policy on my house has barely changed in price, which I appreciate. When the boiler went and I rang the claims line, I got through quickly and the engineer was booked within two days. They sent a text update at every stage. Renewal reminders still come on paper, which suits me fine.

Compared this against a couple of comparison sites before I went with them for my car policy. Their price was higher on the same level of cover, which is a real disappointment when you are watching the pennies. The cover itself is fine and the online account is easy to manage. Renewal came through on time and I have stayed, but I am watching the price for next year.

Cover for the van, sorted in the app while I was waiting for a job. Got the certificate straight away. Price was decent and the renewal reminder was sent on time.

I used to have my home cover through my bank, and switching to this company was the best thing I did this year. The quote process is clearer and the policy wording is easier to follow, with the key exclusions set out near the top. The premium came in lower than the bank's renewal and the cover is broader. I am pleased with the change and have told my sister.

Needed cover for my camera gear before a shoot in a week and the speed of the quote was what sold it to me. Policy came through the same day. Had to chase a document once, but it was sorted within a day.

I needed buildings and contents cover quickly after getting the keys to my first flat and was worried it would take ages. Got a quote in a few minutes on the site and the policy docs landed in my inbox the same afternoon. Price was fair though the excess is on the higher side, which is the only thing I'd flag to a mate.