Ripe Insurance deals as a middle man employing the legal incompetences of Davies. My experience with a theft claim, which eventually was paid was one arduous process. First Davies wanted to dismiss the case right off the bat, then it took months of correspondences until the claim was calculated incorrectly. Thankfully it was paid. I cannot recommend Ripe as it only makes sense to get quality insurance directly from a more trusted firm. Pay more if necessary and with it peace of mind.