I think I'm going to swap to Autoaid, my old Dad has been with them for years.
One thing that's always put me off is the wording in the Policy Document that states they only cover "UK Mainland". As I do visit the islands in Scotland, I sent them a Facebook message querying this yesterday.
I got an instant response. They said that they can't remember it coming up before, and could I hang on a short while while they contact the underwriter to check. I wasn't very hopeful about the outcome, but sure enough, they came back ten minutes later and confirmed that cover extends to all UK islands.
£43-odd for personal cover for you and your legal spouse, and you can get a fiver back on Topcashback. Can't be bad.