I would give them 0 stars, spent a total of over 5 hours on hold, third party damaged my classic car, gefforys agreed it was just a replacement wing, within 24 hours the underwriters, markerstudy had informed me the car was a write off, and they were arranging co parts to collect it (salvage company) they also informed me that the third party were not admitting liability, I contacted the third parties insurance they admitted full liability and my car was repaired to the correct standard, 2 months after the incident markerstudy requested photos of the damage! Markerstudy (west bay) are behind many well known insurance companies DO NOT USE Them, check out the markerstudy Facebook page!