I haD been with these insurers for several years. I purchased a new car and rang them to make a switch. The amendment to the policy came back at an extortionate price. The lady was really helpful and told me to look elsewhere and ring us if needs to cancel. I did so and rang back to cancel. I was told that I was due a refund of just over £100 but received £58. I rang to complain about this but was told I was unable to claim over the phone (which is against FSA TCF rule 6 regarding unreasonable post sale barriers). I was told the refund was correct so for under 4 months worth of cover, they wanted to take 86% of the original premium - which is absolutely scandalous and they feel that because they have sent this out in a load of bumpf for you to read that this is okay. It is not! I then received a further £44 because they admitted that the refund amount was unclearly given to me, which I feel is still disgusting and I am in the process of contacting FOS. They must make a fortune off cancellations. I have received my mobile phone bill today and because I was on hold to them for so long trying to cancel my policy, I have over £30 to pay on my phone bill which I have requested reimbursement for but I am not holding my breath. I thought they were a good company but obviously they are okay if you don't need any kind of service from them. I am just thankful I never had to make a claim through them, god knows how that would have gone. AVOID!!!!