We had an absolutely appalling experience that caused us a lot of stress and had a huge impact on our finances. We called to sign up for insurance for our converted campervan. We answered all questions truthfully as they were asked by the sales rep regarding the conversion and then got offered a policy. We tried to pay for it with our credit card, which was declined possibly due to fraud check from our bank. Because PI tried three times to put the sales through our card got blocked from their side (not the banks') and there apparently was nothing they could do from their side to unblock the card again. So we needed to use another card, which didn't fit our financial planning. We then went to our current insurance to cancel it and they advised us that it seems unlikely that the underwriter Principle Insurance has used (AXA) would cover a campervan conversion. We called back Principal insurance and expressed our concerns and ONLY THEN were we asked the question whether our campervan is registered as a motor caravan with the DVLA. It isn't because a) it's not a legal requirement and b) our stats don't fully match the requirements for a registration. The result of it was that - after two days of calling back and forth and often spending a considerable amount of time in the queue - we had to cancel the new policy with Premium Insurance and the most upsetting part is that a refund may take up to 60 days!!!!! That puts us into an impossible financial situation. The bottom line is that Premium Insurance has not written their sales script in a way that protects a new customer's interest nor trained their staff accordingly to ask the right questions. If the kind customer assistant at our current insurance hadn't pointed out the fact that we might be very likely in a situation where we are not covered we would have never known!!!!! And that to me is absolutely disgusting and huge negligence on Principle Insurance's part. My advice is avoid them or at least make sure you do all your homework beforehand because you can't trust this insurance to be fully transparent and lead the conversation in an expert way as one would expect. Date of experience: 09 April 2024