JCI are the worst I was with them for like 8 years multiple policies they jacked up my insurance by like 400-500 bucks in one go called em up like wtf said bad luck refused to negotiate I'm quite loyal never shopped em around but moved to Allianz got cheaper premium but high excess ($2.5k dat luxury car rapeage) but got way more benefits road side free windscreen etc so JCI can suck a fat wang