My husband had gone out and was checking his email only to find his car insurance with Esure broker had lapsed and they had not renewed. He had received all the documentation and his premium had not increased by much so he decided to go with it. The note said the do not do anything and you will automatically be renewed. He immediate got on to the co and when he was finally answered a very snotty young man without even a Good morning said systems are down and we can't do anything without even hearing my husband and his problem my husband tried to explain and the man said we could not process the payments. But no one from the co had bothered to contact us to let us know they just let it lapse. The young boy then said the premium would increase now anyway. Husband was furious and drove the mile home uninsured was mortified and now trying to sort alternative insurance. DO NOT USE SCAMMERS!