After years of premium payments to Collectibles Insurance Services.........I needed to file a claim 3 months ago for the first time. They gave me the complete run around. Claim agents that were "unsure" of what exactly constitutes a "loss"...total lack of communication, PLUS they threatened to drop me with a very nasty letter a week after I filed the claim due to "lack of policy payment" which was totally bogus. Had to send them copy of my cancelled check which was sent 3 weeks BEFORE it was even due. They were actually going to drop me over a $5.00 error which stemmed from their "accounting dep't". No phone call from a rep, no apology for their mistake........nothing. That's OK, I'm now in the midst of "dropping them" like a hot potato & going with SIAI. Thank God ATF finally got my gun back because Collectible's would have been totally useless in my situation. You get what you pay for. Careful folks.....and tread lightly when it comes to this company.