To start I used a debit card and for using a debit card, this company says there will be no charge. However this company still charged me for using a debit card! When I tried to get a quote for a second card and use the discount for a multicar it did not give me the discount which was advertised at £50 off the second car, it provided around £30 off. I then decided that I would rather not deal with this company, so asked to cancel my first policy. They did do this and to their credit waved a £50 set up fee! Even though the first policy had not started. I never did get my charge back for using my debit card and I never plan to deal with this company ever again. The list of proposed charges for making any changes etc is a joke. My advice, stay clear.