That does not matter to me as I no longer have to use one thankfully but I think the point may have been that they do not have history where the claim could go back the 6 years where I guess some of the better known ones have. Maybe, as I say I am not really bothered and simply taking a punt, if I lose out it will only be £100 but if it works out it will be thousands coming back.......fingers well and truly crossed :-)