If you mean for insurance then yes I use them. However, I've not yet made a claim so can't really comment on if they pay out easily or make it difficult. Touch wood I don't find out anytime soon!
yes defo hope we don’t need to use soon, they seem to be ok from what I read but you never know untill that claim day comes. I like the coverage they give. Hopefully someone will have a claim experience on here. But I’m glad there is another person that uses it, so many different ones online it’s hard to choose