By far the most incompetent and inconsiderate company I have ever had dealings with. I insured my car with Elephant and chose to pay by monthly installments via debit order. I gave my banking details and the first payment (deposit and first installment)went off fine. I moved home shortly after starting with them. My second payment did not go through and they sent the letter informing me of this to my previous address. As soon as I was in my new place I informed them online of a change of address. At my new address I received a letter saying my policy had been cancelled due to non-payment (one month's installment had been missed - ONE) I phoned and was told that the letter informing me that payment had not gone through had been sent to my old address and returned to them. Yet at no time did these useless, lazy morons think to pick up a phone and call me. I immediately paid in the outstanding amount, had to pay a cancellation fee even though I had not cancelled the policy and then asked them to reinstate the policy. They then told me that I had to pay the full year's amount and could not pay by monthly debit order - there incompetence but I must suffer the consequences thereof. Even after I informed them that this was all due to their incompetence and I could not afford the full amount they would still not listen and insisted I had to pay the full year's amount up front - I told them to shove their policy up their rear.