I think Marker Study are the actual insurance company that SKY Insurance use. When my renewal came up I happened across a review site in which Marker Study got a shit load of bad reviews and almost everyone of them was along the lines of Drivers description. Piss poor communication, unwillingness to help, passing the buck, making u do the work etc etc. This is the main reason why I didn't renew thru Sky. Not because of sky direct (as they've been helpful) but because who provides the actual insurance.