I think the insurance is a good price. However I was disappointed that we could not pay monthly through my wife's bank account which you happily took a full years payment from!! I understand your meaning behind it but you sent me a letter saying you were going to do this what would have happened if my wife and I were no longer together and you'd took the money from her account?? I do not have a bank account and haven't for a very long time and being out of work the full payment has wiped us out this week.... I think the company policies need to be reviewed giving more options..