I recently had an own fault claim and the company AF insured me with were excellent. A concern of mine is getting cheap, specialist insurance means they wont be there when you need them. but as it happens i messed up and they were there to carry me. I didnt speak to AF much at all during the progress of my claim and had no problems at all. I was treated more than fairly. Im being soft, but I figured i owed AF and whatever the company i was insured with (bad of me - ive forgot!) a recommendation On the bright side - had I of not been so stupid i wouldnt be on this forum lol!