Due to a mix up in my online application I telephoned to clarify some details, couldnt get through so I emailed as was suggested online, the reply told me I had to telephone! I phoned and this resulted in a change to the details of the policy (which had not yet commenced) for which I was asked for an extortionate amount of money. I was very annoyed and decided to cancel the policy rather than pay, which of course meant a cancellation fee. Magically after waiting a few moments extra payments were found to be unnecessary, so I kept the policy. Not a happy bunny.