What time is it? Watches and horology

I am with Hiscox.

I've made 3 insurance claims in 25 years:

1. More > Than for a £1,000 TV destroyed in an accident in 2010, replaced only after arguments by provision of a voucher that meant I had to purchase the like for like replacement through the Dixons group even though the equivalent was not available through them... so I had to downgrade
   
2. Hiscox for a £10k bicycle (my Serotta) which was written off in a hit and run in 2016 (?). Hiscox paid cash in 2 working days on the house insurance policy after Cycle Fit confirmed the Serotta was not safe to ride, and this was in the Christmas to New Year gap, I was impressed
   
3. Axa for the Volvo S90 that was damaged by concrete raining on it within the first few months of ownership in 2018, had to escalate to senior management and fight for 6-9 months before it was finally settled with them admitting fault throughout the process
   
   

Hiscox was the only good experience, and it was beyond good... it was excellent. I was deeply shaken at the time, still healing and had trouble thinking of when I'd get back on any bike, and yet the Hiscox experience was just to go beyond the norm and pay out in full and in cash immediately.

That was enough for me to have since expanded all my insurance to Hiscox, i.e. travel, etc... as I'd rather pay more for what happens when you need to make a claim.