I have been insured with club4x4 for a 2or 3 years and unfortunately had to make 2 claims this year for the 1st time (theft and accident).
they paid up on both occasions so I commend them for that and hold my breath for the premium increase next year...
I do have some concerns regarding their service:
under staffed and consistent delays of 1 week when responding to emails as such you must call them after submitting any information via email otherwise the message does not get reviewed or actioned for 1 week.
Choice if agreed repairer. This is true as long as your repairer is at the low end of the industry. I spoke to a couple of repairers who refused to waste their time with a quote because club4x4 is underwritten by Hollard insurance and they never accept the quotes from from repairers such as Sheen etc. furthermore the repairer I was referred to was blatantly deceitful. Needless to say that I took my car elsewhere.
I hope that I never have to claim again or at least not for another 15 years. With that said I believe that Club4 need to focus on increased staffing as well as ensure that their staff take ownership of cases and problems..: which they often fail to do.