Started policy to cover my washing machine in 2018 at 5.99 per month. Increased premium yearly even though I made no claims until 2021. So 2019 it was 6.99 and from 2020 it was 7.99. So paid more than £250 of premiums. My washing machine broke down and I needed a repair. That’s when I found out that (even though I’d been paying premiums for over 3 years) that there was a £65 excess to pay on top of the premiums. Also I had to pay all the months to the end of the contract in advance. So, on top of the premiums, I paid another £136.91 to get my WM repaired. Now, you tell me, was it worth my paying all those premiums? I don’t think so. I’m sure if I’d called Hotpoint direct they probably would have charged the same to repair it so I received no benefit from joining ROW. Furthermore, they are insisting I set up the direct debit again, even though I have paid upto Feb 2022. They are trying to force me to continue with them even though the contract will end in Feb 2022. They have threatened to close my policy if I do not set up the DD with them again even though I have paid in advance till Feb 2022.