Even though i have lived in the Netherlands for 9 years i finally decided to switch to an English friendly company. I sooo wish i had done this years earlier as not only did i get huge savings and better products but it is so nice they this company understands the international term for service. I have only dealt with Theo at the moment and they go the extra mile to make sure everything is clear and the products you want. I was so impressed i am talking to them also about changing my mortgage. I highly recommend this company for expats who want the best product and service you will find.