My 2 pence; They have been really good for me, cheaper than everyone else (by quite a lot), very helpful.. I have not claimed against them but someone crashed into my landy and I claimed against the 3rd parties insurance and they have been great for that and gave me a 'accident management company' to talk to who were really helpful and gave me a nice courtesy car.
They also insured my old car for 3 weeks until I purchased the landy then they switched the policy over.
I'm with heritage insurance and they are less than £100 fully comp for my defender with the mods declared.
Latest joy. New house has a garage. Flux say if the LR is stolen from the property (for example the yard, or the big gravel area in front of the house, or a field) after 6pm it's totally uninsured. Must be locked in the garage at 6pm sharp. So that'll be fun in the summer then. NFU insure the Disco, their deal is if it's stolen from the house but not in the garage I just pay the theft excess.
Really ****.