I have been using Clive and his team for 20 years. On my first ever year I had a claim, which was paid in full without any stress or indeed effort from me! Clive is incredibly knowledgeable and professional but crucially he is pragmatic, in an age when finding a straight answer to a question is nearly impossible, he always tells you what you need to know and gives you the confidence that you need when dealing with such complex questions. I have no hesitation in giving Clive and his team my highest recommendation.