EVERYTHING WENT WRONG! I have experienced all the problems listed here by over 80% of their unhappy clients. Literally a month after taking out the insurance, they are still trying to extract extra payments for mistakes that had been made (some of these were made by them, not me too). They are the most unprofessional tin-pot company I have ever encountered in the 43 years I have purchased car insurance. The other reviews are all so true - they start off with a low price - looking like they are very reasonable and competitively priced - then just keep on adding on payments. They even cancelled my policy by letter while I was away on holiday, leaving me with a few hours to get it reinstated by paying them yet another payment they required for something they had equally made an error with! Had I been driving the car whilst on vacation, I would have been uninsured, without even knowing - and after paying the full annual amount up front. Really wish I had cancelled the policy now but when I tried (within the first 14 days 'cooling off' period) they wanted to charge a £50 fee. I questioned this, saying surely this was illegal - their response was that it was an 'admin fee', even though they hadn't even sent any letters or done anything to charge such a fee. AND - as for their so called new phone system - biggest joke ever! After 4 calls I made in one morning and being put on hold for each one for at least 20 minutes and being 15th in line to speak to anyone, they cut me off!!! DO NOT USE!!!!!