Hastings Direct requested a copy of my V5 and then landed me with a bill for £8 additional premium and £30 admin fee for a error in the date I bought the car. Bearing in mind I'd owned it for 8 years, what difference does it make. They already charged £20 for setting the policy up and charge £45 if wanting to cancel. So basically the whole business model is about ripping you off for whatever they can. No other company treats new customers like this. Luckily I was only on day 3 of the 14 day cooling off period when I realised so minimised my losses. They also failed to address my complaint within the 4 working days they stated, but did manage to email a demand notice for the £38 fee and a threat to terminate the policy. I suspect the slow reply was to expire the cooling off period. So be aware of their sharp practice