I don't know what the situation is in other countries but as a British person that summary screams "RUN AWAY". Edit: Apparently they are doing the same thing a

I don't know what the situation is in other countries but as a British person that summary screams "RUN AWAY". Edit: Apparently they are doing the same thing as all the insurance comparison companies here, but are the first US company to actually do it properly, so my reaction isn't very fair and your summary is quite good.