I paid the first monthly fee of £12.50 and all seemed well, but then I got a DD agreement through for £14.99 per month. I queried this with Nova and they replied saying that they did not know what the monthly fee would be when I took out the policy. So I requested to cancel, but they said I would not be refunded the initial £12.50, as this is kept as a cancellation fee with the credit company. Further, they demanded I pay an additional £9.98 to cancel with them!! I argued this but they kept just referring to the absurdly lengthy terms and conditions. I couldn't be bothered to argue with such an unscrupulous and pernicious company any further so I paid the cancellation fee. You would think this would be the end of it, but they are now sending me threatening emails, demanding I pay the full annual premium or they will send debt collectors to my house. I would strongly urge anyone to avoid this company like the plague!! I have no doubt that if you ever had to make a claim, they would find a way not to pay anyway!! They really do represent the very worst stereoptypes of insurance companies.