They pack one hell of a punch. Unless it is a different MMA.

We are brokers and use MMA as one of our insurers.

The policy has one or two quirks which means it is not the best in the market - but certainly not the worst - and they do pay their claims and have a 24-hour claim contact number.

A special feature is their ‘bonus’ and ‘extra’ feature which means that for many large claims they will send you £1,000 virtually immediately while the claim is sorted and if the claim exceeds £10,000 you keep the £1,000 as well as the claim settelement.

Please make sure that you meet their quotation requirements - MMA have a reputation in the broker market for aiming at the ‘better’ risk.