I started using Budget after searching for a cheaper quote at my renewal for car insurance. My first direct debit to them didn't go through so I paid with a debit card, and was told the collecting bank was the same one my previous Insurance company used and that was the reason Budget hadn't received the payment? My second direct debit didn't go through and was told they had the wrong account details for me. I made arrangements to pay extra on the next payment but this also didn't go through. I then received a letter from Budget telling me the policy had been cancelled leaving me un-insured for two days. I rang them and was told I had passed the date to maintain the current policy but I could take out a new one at an increased price. I found my experience with Budget very stressful and has cost me more than if I had stayed with my previous company who I had no problem with what so ever. Budget offer low premiums but beware they are cheap for a reason DO NOT USE THEM.