THE BAD POINTS ARE SO MANY I DON'T KNOW WHERE TO START !!!! 1. At first glance you will think that they are offering you a cheap offer but believe me every little extra service is paid in tens of pounds. such as a simple call for a simple question or a simple change of payment date (check before you trust if you don't believe) 2. If their offers still seem good to you, just a tip, compare them with those of AVIVA, for example. For my two vehicles that I own (van and car), AVIVA's quotes for insurance were literally twice as low. And again, if you don't believe it, just compare it yourself 3. Always reduce your No Claim Bonus time. If, for example, you have 2 years and 11 months of No Claim Bonus, they write it as 2 years and no one bothers to note the other 11 months, which are actually almost one more year. This is understood as a negative to you for your next insurance quote 4. Lucky that they feel disloyalty from you (as sometimes it may not be your direct fault such as a direct debit problem with a problem with your bank and not yourself). hundreds of pounds in fines are charged which no one explains to you how they are formed nor do you dare ask given the basic call charges (£25 btw) I mentioned in point 1. Honestly it seems like if I drive without insurance I will have less trouble with the law and less fees and fines to pay than I had with this company!!!!