Just Car will insure you when other companies won't, so that's a positive in their favour. However, they are fond of the old rape-your-wallet trick. If my car got stolen under them I would pay almost 2 grand in excesses!! Base excess, excess for car, and excess for theft. Now that I keep the car in a locked garage I can get Shannons, similar premium but $500 excess across the board. Much better.