Where are you looking at reviews? Trustpilot has them as 4.7 out 5 overall with 81% excellent. Having read some of the bad reviews, some are just a lash out as they didn't read the policy properly ( A couple moaning about cancellation fees which are clearly stated on the policy..). Obviously there are some ones that aren't good but I think you'd be hard pushed to find a company that hasn't upset someone! Always been friendly and knowledgeable with me, no statutory price increase on my premium each year so no messing about trying to get them to reduce it. Also, agreed values reflect the current market which is really important these days! No Insurance provider is perfect. Do your research and make sure the level of cover suits your needs at a price you are happy with. Cheapest is not always the best, especially in insurance.