Young and Cool .. well i used to be with them til about a week ago ... i made a claim at fault about a year ago and that went all fine ... can't really complain about that one except their excesses are ridiculous ... but i won out on that one so i can't really complain .. anyways ... i then had to make another claim about 2 months ago which wasn't my fault .. and damage was about 2k ... and u woudln't beleive ... they transderred my insurance to daws underwriting which i guess were under writing them at the time i joined up with them ... and they ddin't even ****in tell me ... so then i ring dawes up ... to make my claim ... this is what they said ... since my excess was 2.5k ... they wanted me to give that to them even though it wasn't even my fault ... theres not too many people with 2.5k just lying around ... who the **** did they think i was?? anyways ... they said they would give me the money back when the other guys insurance paid out ... to me thats just ****ed up ... i mean .. why the **** would u pay someone over 2k a year for that type of service?? ... so now they put my premium up to over 3k .. thats dawes underwriting... they can go **** themselves .. i'd rather go without insurance ... the last time i spoke to young and cool they said they were their own company and deal with all insurance by themselves so u wouldn't have to go through with this shit ... my word of advice is ... if u dont' get a really really good deal with y and c ... go with someone else ..