Friendly...until you actually need them

Easy to buy and seemingly good value for money. However, once you have a claim, an archaic system kicks in. I has a seemingly simple claim. However, they kept questioning the validity of the documentation I submitted, and introducing additional forms and paragraphs. What should have been a simple claim became so painful that I dropped it. I was left with a really bad taste in my mouth and a bunch of very arrogant emails from their "claims assistance" team. My previous experience with travel insurance providers had been very good and they seemed to operate on the principle of wanting to be helpful as soon as you have provided evidence and receipts etc. However, Columbus appears to have a deliberate system to make it as hard (and costly) to obtain documentation to their exact specification, which I can only assume has the objective of at worst delaying payment, but at best making people give up. In my case they won.