My experience was that I had a policy that was due to renew in three weeks time. At the same time, I was changing my bike to a new one. To cut a very long and frustrating story short, I started a new policy after my old one expired. The reason, you were going to charge me £72 to change details for three weeks or £90 to cancel the three weeks left. I think this pricing is daylight robbery. I would not expect a refund for three weeks cancellation but I would not expect to pay £72 to cancel three weeks of policy. Not a good way to attract new business. On a good note, the new policy I took out was competitive but I have to wait for my new bike a further three weeks which made me change my plan ahead. I have a further week or so wait for my policy to start so I can get my new bike on the road. I did live chat but was told I would have to do it on line. I went around in a few circles on line to try and achieve my goal but had to give up to save my sanity.