There are hidden costs which they don’t make clear at all. I’m going travelling tomorrow and have worked hard for months to save up, and didn’t realise they would charge me £230 in total to cancel. I was told when I mentioned cancelling when renewing my insurance that the fee was £60, but that doesn’t count anything else, only the cancellation fee itself so, yes, essentially they lied. £230 is a weeks worth of income for me which I worked long hours for so this was very hard to pay! In fact it costed more than what 3 weeks of nice accommodation in Bali cost. Also they never informed me that if you don’t cancel your insurance at least 5 days before your next monthly payment, they will still charge you for the month after your cancellation date! Really bad in my opinion.