Adrian Flux Travel Insurance never passed on my details so when I called for assistance I had none. I had no calls back to me after 24hrs so decided I had to make my own arrangements. I don't have a credit card so drove my car home from Germany and caused £13, 000 of damages. Ombudsman has confirmed Flux are at fault and awarded me £200 for a clerical error. They appear to be in the business of percentages and loss so if they don't pass on the details and get at least one person paying for cover a day and then get court out by the Ombudsman (which took a year) then they would have a profit of approx £14, 800. Worth there time never passing on your details. I am not alone. Search the net and you will find others. They even sent me round the houses when I complained, they wanted to deal with me without the Ombudsman until they got estimates for repairs. Be Warned.