Took my policy out in December last year. Unfortunately I was involved in a serious motorcycle accident in march and MD and their partner with LV ripped my off. Had to pay £200 excess for just making the claim which I wasn't told. Took 4 months to get all excess eventhough I wasn't at fault which they new from day 1. Plus they said I could get refund but didn't because I used most of my policy. I only had policy for 3 months and they just cancelled it 3 months after accident. Exactly 6 months to the day when they canceled my policy. Made a complaint but handler was useless and try say I haven't got the case. MD are bunch of thieves. Had to fight even get my prove of no claims from them.