On-line only is ok when the web-site is working properly. I was quoted £10.78 2 days ago and thought I had paid as a notice, "Your payment has been successful" appeared...but the web page didn't move to confirmation. So I emailed them. It takes 48 hours to reply and they tell me my payment was not taken. I tried again today and was quoted £58.69. There is no way to question this, the help categories do not have this as an option. The virtual help can only answer FAQ's. So I have Tweeted their help. No reply. I change my car tomorrow. I decided to cancel this account and look for another but there is a £50 charge. Against my better judgement I decided to bite the bullet and pay. Guess what, the site is down! I will not be renewing in October and getting very worried about tomorrow. Just had another email, apparently circumstance change so quickly they have had to charge me more, yeah right. Quotemeveryunhappy.com