been with gladiator for years with little problems and always auto renewing then this year they said my direct debit had failed, the same direct debit that I had always used to pay them and no record at the bank that they tried to attempt payment, they charged me for a missed payment so I had a look round to see what others were charging for the same insurance and it was less than half what they were charging me..... that's the cost of loyalty!! spoke to them on the phone and refused to pay the late payment fee which they then said they would cancel my policy so being very irritated by this I said fine. I decided to cancel my insurance with them and they are now charging me £180 cancellation fee originally they were very cheap but very quickly they raked up the premium and make money from missed payments, changes to policy and the hope that you will be lazy and auto renew with them another gripe was they sent me a letter to inform me that my van had been in an accident (which it wasn't) and it was the wrong registration quoted on the letter, nightmare to sort out and being self employed, all the time I spent on hold phoning people was time and money wasted