Took my son off my policy in March and was told ill get a £440 refund but they would send a cheque in 3 weeks,I called again as it never arrived they told me it would be taken off future payments but i cancelled the policy, They denied telling me i would get a cheque i insisted they listen to the so called recording of our telephone conversation.I rang about 8 more times over the following months and was told it would be listened to over the next few days (Now August) I still have not had any correspondence from them except a demand for £57 as the policy was cancelled.I paid the £57 today as they have threatened legal action, they have ignored my requests for a breakdown of the policy payment taking in mind i paid them over £600 for a policy they told me was £220 for me with out my son on. Next step Financial Ombudsman Service.DO NOT USE THIS COMPANY.