Unfortunately I have had poor experience. One example was when my motor insurance company provided free breakdown insurance. Because I had "free breakdown" cover, I didnt bother purchasing it separately. However when my vehicle broke down, I needed to call them out. What I didnt expect was that the cover was only for 10 miles, the garage I needed to get to was 35 miles away and I was charged over £100. Luckily I had funds on me, I no longer carry much money on me during work. £100 for what turned ou to be a broken oil filter, cost to replace was less than a tenner.
Got my money back tho. Come renewal time I waited for them to give me a quote, and then demanded they reduce it by £100 to compensate for tucking me up. What I did not expect to happen was for the person on the phone to respond saying they can knock £80 off the quote and add an additional 3 months free cover. So I took it. Cant remember what company it was with so as to avoid them in future.
Anyway its interesting you said ISO. How do you spot the signs of an ISO before taking out a policy?