DO NOT USE THIS COMPANY!!!...This one man (woman) band of a company has the worst unusable website in the world and everything you do has to be done on line. Don't even bother with customer services, you will wait hours to get through to a rude ignorant woman who hangs up on you before you can even state your complaint. So you email and either get a two word reply or no reply at all. I paid my policy online and was instantly debited from my bank, however I quickly cancelled the policy due to it not meeting my needs and was told the refund would take 21 days!! 21 days have passed and still no refund or reply to my emails. I am several hundred pounds out of pocket and I have no option now other than to take them to court. STAY AWAY FROM THESE CROOKS.