Apparently they do continuous card payment, so when I changed my card details with the bank due to a mistake they tried to charge me £30 admin fee. They called and left a voicemail and I called back within 2 mins of hearing it only to be placed on hold for half hour. Continued to call throughout the day only to be on hold each time so left it and called a few times each day thereafter. Eventually got through on the fourth day informed them the money is in account and no direct debit has been attempted to be taken or set up. This is when I found out about continuous card payment. Told them I'm not paying admin charge as they didn't pick up phone when I called back and if they had I wouldn't have incurred the charge in the first place. Offered to reduce charge by half told them no and cancelled policy...was with them for 1 month approximately. Avoid this company like the plague, despite being in the wrong they will still try screw you out of your hard earned cash.