I cannot give this company even one star! But they certainly get five stars for abuse and incompetence. They cancelled my policy with them due to their own clerical error. They claimed that they had tried to contact me (a lie). I never received any communication from them, despite they having my telephone number and e-mail address. I, by pure chance received a letter addressed to me at the town in which I reside. No actual address! For this, my policy was cancelled. Not satisfied with their breach of my contract, they then caused injury to my 81 year old mother by depositing a 'refund' to her account which caused that account to be suspended as neither my mother or the bank recognised the company and so believed the transaction to be an attempt to defraud. Due to my financial station, I am unable to get any justice through the court system. I strongly recommend that anyone considering using this company consider again.