My motor insurance direct debit payments with RIAS were £27 a month. After (exactly) 2 months, I sold my car & wanted to cancel my insurance. After queueing on the phone for 28 minutes I spoke to a lady who told me that the cancellation charge would be £50. I realised that they would charge an admin fee so I thought this was acceptable. I then received a letter saying that I owed them £122! I tried twice to contact them by phone but, after waiting in excess of 30 minutes each time, I hung up & decided to email them. Several emails were exchanged with their customer service team. It took 4 days on average to receive a reply by email. Each message gave a phone number & stated that it was best to contact them by telephone (I think not!!). I asked them to explain how on earth they calculated that I owe them £122 but their replies did not really shed any light on how they calculated this charge. They merely repeated the same things each time. While all this was going on, they even passed this on to a debt collection agency to deal with!!! I hadn't even said that I wasn't paying, I just wanted to know how they came to this figure. You get what you pay for! If you want cheap insurance & don't make a claim or need help from customer service, then I guess that's OK. But if you ever need any assistance, then God help you. I certainly won't EVER use them again, and I recommend people take note of all of the terrible reviews on the Internet for this company.