I wish I'd read these posts earlier. Very similar experience. Original insurance went on for 45 minutes on the phone and was very invasive. I genuinely felt and still feel as though they will try anything to not settle a claim! I obviously have no evidence of this and hope I never need to claim as the application process was bad enough. Then to make matters worse, and because we paid for my daughters insurance by monthly direct debits to help her out, we had to go through another series of emails and applications and get forms sent back, which is fine in principle however it turned out that I forgot to date the first one and it was returned (again fair enough) but its easy to miss an email. Anyway I dated the form and sent it back and even sent further emails to check everything was OK but heard nothing back. the out of the blue some weeks later I get a letter telling me that the insurance has been cancelled with immediate effect! No phone call. Nothing. So I call them up and wait the obligatory 20 minutes to speak to someone and it turns out that the form I sent was apparently illegible - despite the fact that it was their form. My daughter uses the car every day so I had no option but to try to renew but imagine my surprise when I;m told that this is not possible. No. I need to re-apply, so some hours later I get a new cover but am told that this one will cost me about £10 month more!! I had no choice but was / am very unhappy ...... but it gets worse. I then get the loan paperwork through some days later, (from Close Brothers) only to find that they have put it all in my daughters name even though the payments are coming out of my account! And because its in my daughters name they are unable to discuss it with me ....IT'S MY BANK ACCOUNT!! My daughter is 17 and I'm not sure the loan is even legal or enforceable which I mentioned to them but to no avail. I know their insurance quotes are quite low but never again!! I will gladly pay a little more and get an acceptable level of customer service. Disgraceful.