On renewal forgot to mention an accident my wife had earlier in the year in another car (hit a deer so technically driver at fault!!??) Got a semi illiterate snotty letter from Lancaster demanding to know the details and why I had not told them but also "fining" me £30 (they call it an admin fee) for the mistake. I challenged them on this but they initially refused to waive the £30 so I complained and cancelled the insurance. Complaint was upheld and I did not pay the £30 and have now moved to Hagerty International where you get treated with respect although it is more expensive. Lancaster are cheap (in every sense) but will hit you with "admin" fees that are excessive.