If you have a policy with this firm and you sell the car whilst looking for another to replace it , they will tell you that they will keep the policy in suspension until you find another or if you cancel it , they will charge you £50 . I put my policy in suspension as suggested whilst I looked for a replacement car but did not find the one I wanted before the end of the policy and then I get a letter giving proof of my no claims bonus but no refund for the suspended period of insurance !? I call them yesterday to see why , they said that they sent me a letter in January saying I could have the money back or a certificate of NCB ! I did not get this letter, just the proof of NCB. They told me that this is the default position if they didn't hear from me and as the policy had now expired there was no help they could give me . So they have trousered £300 odd for nothing !! Nice work if you can get it I think ? Be warned , the cuddly Bulldog does bit !!