Initial experience getting insurance and the service you get if you have an accident are great: but woe betide if you need to claim!
My daughter claimed for a stolen snowboard and had to wait over 10 weeks with lots of chasing, holding etc before they paid up. I am still waiting 18 weeks later for them to sort my claim arising from a broken wrist after a winter sport accident: I am about to turn to the Financial Ombudsman in desperation.