This is a 'no frills' budget online insurance company which provides the cheapest quotes by keeping overheads down. However, you cannot speak to anyone if you have a problem. It has an absolutely maddening system of listing the questions you can ask and makes it extremely difficult to ask something that is outside of the prescribed list. I wanted to add a temporary driver, but it would not allow me because it said that I had outstanding documentation which I had to upload first. However, it would not tell me what they needed.There was nowehere in 'my account' where it showed what I had uploaded and what they were still waiting for. I could not ring anyone to sort this out, and eventually worked out how to email them and it then took 2 weeks for them to reply with the details of what was outstanding. By then it was too late to insure our friend. This could be a great service but not as it is currently set up. I would not want to renew with this company.