Yes they are cheaper than the rest, but I guess you really do get what you pay for. Been without car insurance for a week now, still trying to resolve a payment issue because after I changed the direct debit payment date the previous month they then applied for payment on the wrong date the following month, they won't accept fault, even trying to charge me an extra £30 default charge and after nearly an hour of being transferred and on hold to rectify the problem, they hang up twice! and they didn't even apologise. Still not resolved, still no apology. I either buckle and pay the default charge for their mistake or go elsewhere and then will have to pay a cancellation fee! They care only for money not their customers. Terrible service.