Save yourself the hassle of being constantly hounded by their 'policy analysis' team to provide documents with the threat of cancelling your policy. Extortionate cancellation and policy amendment fees. Customer service reps who will try to find any way of catching you out and charging you additional money once the cooling off period is over. If you really suspect your customers of lying to you when taking out a policy then it would make sense to validate documents before they take out a policy. Instead they will constantly hound you a month after you've paid until you want to cancel yourself and then be charged £100 for the privilege. Completely unethical business practice in my opinion and would not recommend anyone give them a penny.