I've had car insurance for years with many different companies. With Flux the initial quote will be cheaper than the competition - but this is like bait, and you're in a world of pain once you buy it. I took out a policy, and within one week I had a phone call from them at 1am in the morning, texts from them at equally strange times, and then had to fill in a ton of forms to prove every part of the policy I had taken out. They even wanted proof of how I get to work - I cycle? Signatures on limited mileage, photocopies of my driving license, utility bills, driving license checking codes, proof of address, proof of no claims (understandable).. the list goes on. I'm really busy, i don't have time to do all this, and they threaten you that you must do this in 14 days or they may cancel the policy (non-refundable) i'm about to go on holiday! I phoned up for advice, and was greeted by completely unhelpful customer services, and decided on the spot to cancel. I had had enough, 1 week of this company and I wanted to be with another company i've been with before! However, by cancelling they take a charge of £110 - at this stage I was still in my "Cooling Off Period" but they still take this charge. My overall policy was £380, so for one week of car insurance I pay £110 which is some sort of administration fee. £110 for automated admin!? So life is too short, I really don't want to be a customer of this company so I agree to paying my way out - this is the extend to how much they annoyed me, I have never done this before. However, having waited an age on the phone, I can't cancel verbally, now I must put in writing that I want to cancel. Okay more paperwork. Sent off, done. . . Or so I thought. The next day, there's no correspondence or automated email to say its been cancelled. So I call up again. Equally unhelpful staff member, says the policy isn't cancelled - they never received my email. She goes through all the emails they received (my phone is clocking up more money to Flux) eventually she confirms they didn't get my email. I email again whilst she is on the phone, but she said its takes 2 hours to process emails. So there's nothing she can do. Okeeeeeeee. The next day, still nothing from Flux... I phone again. The policy still isn't cancelled so i'm pleading to them to just cancel it and take my money! Finally a manager clears my policy to be cancelled. Flux will take the £110 for one week, and will pay me back the remaining money in 6 weeks. six weeks! SIX WEEKS!!! To put that in perspective, Tesco auto-renewed my last policy and I cancelled and got the money back the next day. I wish I just let that auto renew go through. Flux are a total joke, and induce so much stress and cost more money in the long run. I'm so happy I don't have to deal with them EVER again.