We used m&s the first year, second year premiums went through the roof, we also found them very unhelpful and rude, even though we never made a claim. I am with the Halifax now, the underwriters are the same as m&s, that is axa and the cover is similar, never made a claim so don't know if I can reccomend them yet. will have to wait and see if they double the premiums when they become due.