I took out insurance with Premium Choice for 2 years as it was cheap. I received no documentation and no correspondence in the first year besides an email to tell me my renewal is due. I renewed and then later purchased a different car and asked to transfer my insurance over. The rate offered was nearly double my existing rate. Reluctantly I accepted but cancelled within the 2 week cooling off period and found a number of deals half the price. However, they continued to charge me for 3 months after. I contacted my bank to have the money refunded and told Premium Choice this was completed. The bank also contacted them to tell them this. Fast forward 3 months and I receive an email and letter from a debt collection company saying I owe Premium Choice money! They didn't make any effort contacting me to discuss this, instead passing over to a debt collection company threatening to take me to court. DO NOT TOUCH!