I can't speak for their Car Insurance but DO NOT go anywhere near the Optimum Mechanical Insurance Product. I have one and it isn't worth the paper its written on. Just for a start they don't cover any part that fails! No way I hear you say. WAY... read there clause on don't cover Recalls and then don't stop there. The OR bit following says they don't cover faulty parts. But thats not fair, how could that be, surely it only relates to the Recall part. NO, NO, NO it's quite clear we don't cover faulty parts. If it fails and its going to cost us a lot of money then its faulty, can't you read, its black and white. So.. if it failed, its faulty and we don't cover it. Joke you say... Ha Ha. Not very funny when it cost $6,500 to fix and they won't pay. They are the JOKE. DO NOT EVER buy from these people