DO NOT USE!!!! AVOID WITH YOUR LIFE!!!!! I used FluxDirect to buy myself some PROVISIONAL car insurance on a 1.2 fiat punto. I advised the staff when booking this that I would rarely be driving the car unless it was a weekend, they didn't explain any offers or additions that could of been purchased instead of buying the full everyday cover. I then hit some unforseen circumstances and made the staff aware that I couldn't be able to pay the installments anymore and would like to cancel my policy - they cancelled it and charged me £400 over three months. EVERY SINGLE MONTH once I have cancelled it the money has NOT been taken from the account provided and I have had to ring them and chase them for hours on end to take the money whilst they have sat back and done nothing but send me threatening letters with the courts and baliffs. Once I fibnally got through to them on each day every month, they apologised for the letters and had NO PROBLEM withdrawing the money from the account (The money was sat there for months). Because of all this lack of effort by the Billing department and Customer Services, I have had multiple threatening letters and also now have a seriously damaged credit score. Please bare in mind, the money for the insurance was available, they had just not attempted to take it even after a recorded conversation of them admitting they would. THE WORST COMPANY EVER!!!!!!!!!!