Be warned. Keep recordings of all conversations with Direct Line. My late wife told them on the phone about a minor speeding ticket. Whena truck reversed into her car in a carpark, Direct line pretended that she had not done so and tried to disclaim liability for non-disclosure. Fortunately she had a contemporaneous written record.

Yes there are some young idiots (I always wonder how they manage to get a lowered Nova with a 6 inch exhaust upside down and backwards into a ditch on a sweeping road with a 40 limit that I can comfortably do at hello ossifer in a standard 25 year old Volvo) but surely the biggest problem is the prevalence of whiplash fraud, claims farmers, and a failure to stand up to fraudulent claims (as I previously indicated).

The flaming portal and its protocols is a farce.