I needed to advise a change of registration number and nothing else... I tried on-line but was prompted to telephone for "instant cover" - after waiting an age finally got to speak to a human who made me go thought the whole authentication process yet again and then asked me dozens of irrelevant questions - when I asked what the admin charge would be the operator avoided the question but finally after my persistence told me the charge was £130 - after lengthy BS finally said it would be cheaper if I did it on-line !!!! I then went back a did it online, got instant cover and NO CHARGE. What should have been very simple and taken minutes took me all morning and a great deal of unnecessary stress. Be very wary of what you say and check the implications before committing.