I urge anyone not to use Covertxt as they are not commissioned by any company. I received a letter approximately august 21 from their former investors China tapering advising that they are no longer working with such company due to their in adequate conduct. The company will be ceased end of September 2021 And based on reading the reviews below it backs up the claims. I was also advised that Smart Cover will deal with any of my claims in the interim I was advised to cancel my direct debit and that I would no longer be insured (which I did) funnily enough received a call from covertxt stating that I need to igonore the other company and I should continue to pay them. I decided not to against that. And surprise surprise I began to receive the threatening language, I just continued to ignore and did not pay the cancellation fee either. I faced no further consequences so please do not pay it. Smart Cover on the hand were extremely helpful and understanding so please consider them instead.