Avoid this company like the plague...I have been a customer for 4 years now and paid into a lifetime policy. This so called company have just literally more than doubled my premium... I have tried so many times to make contact and sat on the phone for over 30 minutes listening to music and noone answers... They will get a shock when they try to collect the direct debit. They get people to buy into these policies and then raise premiums up to an extortionate amount because they believe they have them trapped. Seems they can't be bothered to answer the phone I am going to make sure that I share this information in as many places as possible.