I received a renewal letter from them and my premium had risen by 69% on last year. I used their WhatSapp chat to ask them why this was the case seeing as I've made no claims and have 9+ years of NCB. I received an automated message from DOM asking me what my question was (thought I'd just typed that} I copy and paste the same question and got the same reply. Needless to say I never heard from DOM. I phoned to ask why my premium had risen so sharply. The lady told me that premiums in general had gone up (by 69%???) and that there were probably increased risks to take into consideration. I asked what these increased risks were but she was unable to tell me. I cancelled my automatic renewal and found a much better deal with another insurer for slightly more than I had paid (which is to be expected to a certain degree) and with their premium package which covers for more things than my policy with Freedom Brokers. Make your own minds up folks.