They charge and administration fee of 15 for any change or service. these hidden costs can add up in the year and make it cheaper to pay extra for a direct company and not a broker The customer service are not well trained and it took me days to get a chip in the windscreen resolved as they said it was not covered and that it was classed as a new windscreen - I called Aviva myself and checked and they said chip repair was covered with no charge and no affect to no claims - I had to make Autonet call Aviva to confirm this! I strongly recommend you do not use this company.