I would give zero if I could, be careful you are set to auto-renew and you can't take it off online, if you do it over the phone it may not be done. I believe strongly I had asked this to be done over the phone, they say not, I couldn't remove it so they took the money, my bank did a reversal so I could pay a new insurer, they finally sent a refund, the first within one day I had received threatening letters about it being passed over to the debt collecting agency, I paid them back and sorted in one day later, they have now done a reversal with my bank taking the money again. Spoken to them today and they have no record of having my money, the bank won't put my money back in. No one is in a rush to sort this and refund me my money. I have taken it to the financial ombudsman who are supporting me.