First of 20 mins hanging on to speak to someone,then if you last that long,you have the most repetitive music to contend with.Now for the sting,i was insured with them for a year,but at renewal time,they will keep you on the phone whilst reading all the print on the doc, which you have anyway,win,win with phone charges,then to cap it all the original quote goes up by £40,WTF,when you say thats not right you get some *rick being sarcastic,and speaking in a very be-little way,never again will i deal with these *unts,And good luck canceling a Direct Debt!!!!! Pete