Bought policy for my son. He goes abroad to study. Car is not used and so my wife takes it out. She turns into the main road nearby at 06:30 which is 30mph, goes over the limit briefly and remembers the box and reduces speed to the limit (not condoning 'speeding' but I think that we are all grown up here.) Did this three days in a row. Policy immediately cancelled. My son appeals and informs them that he will suffer due to this sanction and he had no control of events. Not interested. Yes, there was speeding, yes I know the terms. BUT come on, discretion would work here as son is now penalised as he has to declare that he has a policy cancelled. I looked on another review site and we are not alone. Yes they are cheap, but it appears large amount of cancelled policies, £175 'admin fee' (Really - for what exactly). To be honest I think they are a disgrace and would strongly recommend that you do NOT use them