AVOID AT ALL COST! I paid a lump sum annual fee upfront thinking this is the annual commitment. They do a stupid 90 days review of driving, and on the last 3 months of the year they will give you a mystery premium you have to pay by a certain day through email (they will never call you to remind you), if you pay, then its a bonus for them. if you do not pay, your insurance gets automatically cancelled and you are subject to a £150 charge from them (they are the broker) then another charge by the actual insurance company. customer service wait is long, people are relatively polite but have no common sense. DISGUSTING BEHAVIOUR