AVOID! AVOID! AVOID! DON'T EVEN THINK ABOUT USING THEM!! They basically take your money then try their best to find some sort of loophole so they can cancel your policy and charge you a huge cancellation fee. They tried every trick in the book to the point they even told me the Thames Water bill I sent to them was an "editable document" and when I got Thames Water to directly email them my bill which was password protected (for obvious identity theft reasons) they still refused to accept it as "they cannot put passwords in to verify documents". So basically, if YOU send the bill to them they won't accept it and if your billing company sends it to them directly they STILL won't accept it no matter what you do or say and will talk to you in a threatening manner. Match all of this with how unprofessional they are when you call them that I won't be surprised if Fluxdirect turns out to be some sort of identity theft scam as they constantly ask you for documents. After 2 weeks of finally being insured they then called and asked for another bill besides the two i've already sent them in order to approve a loan which is with a third party and not with FluxDirect! They claim their requests are to help cut out insurance fraud and discrepencies but when they refused to accept the bills sent to them I told them to call the police if they beleive I am trying to commit insurance fraud which they sidestepped constantly. My advice is stay away and pay the extra to go to a more reputable company as god forbid if I have an accident. I bet these guys will try everything under the sun to cancel your insurance so they don't have to pay out and you'd be the one in jail. If by some moment of stupidity you have a policy with FluxDirect (like me) makes sure you record all phone calls (and tell them you're recording) and get everything in writing as they will turn on you. I'm still stuck with these guys and am in the the process of sending a complaint to the Financial Ombudsman and i'll keep you posted on any happenings but seriously just stay clear of these guys. You won't even want to drive your car once these guys are done with you.