This company has a clever way of making money. You will find them offering a completive rate for insurance on a comparison website, and so you agree and accept. They will then call you for a "validation call". The purpose of this call is to tell you that the insurance you opted for is withdrawn / no longer available. They will offer you a new deal, several hundred pounds more expensive. You will, of course, refuse, as this is not what you wanted or agreed to. They will then agree to refund the money you paid but less a £75 "admin fee" for cancellation, and cite their T&Cs for doing so, even though it is they that cancelled the insurance. The refund for your money, less £75 takes 8 weeks or more. You cannot complain as no one responds to you. Literally money for nothing. Why did I not think of this?! 5 stars for fleecing people, but zero stars for being a reputable company. Sadly, I have to award a minimum of 1.