I've been with them since I left the RAF nearly 20 years ago. For myself alone the premiums have gone from about £100 pa to nearly £1000 pa, with the RAF discount. I made claims for 3 ops in 1990 and that's it, about £3000 worth, but I've paid about £12000 over the 20 years. So it doesn't look like it's worth it and I could have paid cash for the ops. But what if something really big happens tomorrow? And, being self-employed, what if I don't get paid. So peace of mind is worth something to me. But there are better insurance deals in the market place.