I have used them for home insurance for the past few years and got my Mother a great price with them also, I don't know how they do it but their home insurance premia are very competitive. Last year it was with AXA UK and AXA Ireland who I was already insured with just threw their hands up in defeat when they asked the quote I was given during their "whats the price and maybe we can meet it" 'phone call. The policies don't appear to differ from what is available on the market in anything other than price. The motor insurance doesn't appear to be as competitive though.