Watch out for the terms of business - there is no cooling off period (usually 14 days) on the autorenewal of policies. You have to pay a fee to cancel the policy which is very cheeky and it is not explicit despite being in the terms of business. Such a fee is not ethical in this day and age when people tend to shop around and switch providers. My policy payments went up significantly each time the policy renewed despite making no claims in one year. No reasoning as to why there was such an increase - I wish I had made the time to shop around sooner. Also unable to tell me how much I would be refunded on the monthly premium I had paid. Not ideal - surely someone could hazard a guess?! I would not use them again, nor would I recommend them. For any who use them, make sure you are ready to pay the exit fee which I am informed cannot be waived!