It took 5 months to settle my claim. My trip to Cornwall from London was interrupted by a nationwide railway strike resulting in my missing the first 1-1/2 days of my guided tour, and spend an extra day and hotel night in London. After filing the initial claim and all of the documentation requested, there was a delay of many days before additional documentation was requested. Then, more documentation, some of it already sent. Calling was worthless because the reps who answered could provide no information and would not transfer me to a either the claims adjuster or supervisor. I did finally speak with a supervisor who promised follow up. Twice, I was told that my claim had been approved and then was told that it was a mistake and more documentation had to be provided. The adjuster also made several errors that I had to point out and provide still more duplicative documentation. One delaying tactic was to demand copies of my credit card statement proving I had paid for something to which I had already sent receipts marked paid. Another meant to be a showstopper was proving that I was physically onboard the train for which I had a ticket and I could verify that I had reached my destination. I believe that the delays and misinformation were designed to discourage me from pursuing the claim and give up. The claim was finally settled because I persisted and provided copious written proof of the validity of the claim. Days of my time wasted. Avoid Tin Leg. If you have insurance with them, read the entire policy very carefully and keep every single receipt and communication.