I stay away from TCB too, always declined. Filing a claim is a waste of time coz it takes months & they decline it again. I have rarely if ever won a claim with them.
I wish there were a site to report them, I think the high percentages are a way to get traffic to their site & then decline. They get revenue, we don't get anything back. This has been going on for a while, pls do not use them. I have stopped.