Can i just say something here? I called up Gladiator Insurance to change my direct debit details, i found the staff very helpful, very cheery and happy to assist. You know why? I was polite and cheery first. These guys do a hard job listening to people moaning about their policies or fees for changing stuff, if you call with a grumpy face your going to get a grumpy service. And to add, there isn't much margin on insurance, your probably looking at £60-£80 per year profit for Gladiator by the time the underwriters have taken their fees, if you need to change stuff, and the labor to do so exceeds the profit, or you miss a payment and time is taken up with someone else in another department on a salary that the company has to pay for out of the £60 profit they HAVE to charge you a fee to do it or they simply wont make any profits at all. Imagine you have 1 million customers and 1 percent of those people all miss thier payments just one month instalment, and a department has to deal with it, not only is it costing the company money in cashflow of lost payment. On an average policy of £350 divide by 12 times 10,000 equals £291,000! thats over a quarter of a million quid lost simply becouse people forget to update their bank details and somehow the company has to recoup that money or they are bad for charging. How about looking at it from a business point of view for a change.