To start with, my annual premium DOUBLED in the 4 years I held a policy with them. Them when it came to cancelling I was charged £166.03...£35 of which was a cancellation fee - which was expected, but the remaining was 'extras' that I didn't know I had on the policy. I explained that no where in the schedule was it explained about the charges in cancelling extras. Apparently this only appears in the booklet that is sent out. But because it was a contract that I had entered into with them I had to pay the charges or I would be threatened with bail lifts. I had been a loyal customer for 4 years, never missing a payment, and this is how I was treated. I would never insurance ANYTHING of mine with Sheilas Wheels EVER again. These charges were ridiculous.