Overall - after a year I can say they are pretty bad.
Not sure it is good value - the price is ok, and as long as you don't have to contact them it all works.
Bad stuff - with a trade insurance I keep on getting stupid requests to prove I am still in the trade (like scanning my business cards), if I e-mail them there's usually no reply or it takes ages, phoning expensive 0844 number and long wait, when they answer service is average or below, like they're reluctant/can't be bothered to talk to you.
Change of address - quite a high admin fee... So it goes, I'm afraid, so until they quote you really low - avoid.