Hey mate they are underwritten by one of the largest insurance groups in the world and no doubt offer some very competitive premiums and target markets based on price points form the traditional insurers they know they can undercut. At this stage for mine its to early to determine the claims experience as ive heard good and bad about every insurer but you need to consider whats right for you and what you need from your insurance ie hire cars, choice of repairer, face to face, internet or phone and make your decision from there for some its price some its service and they usually dont go hand in hand. Good luck with whatever you decide but I suggest grab a pds from those you are considering and compare to make sure you get what you want from your cover in the event you do need to claim.