This a great story Ok my mum of 81 took out insurance with this company back last year when COVID hit we asked for a refund or part refund they said no we could extend the cover but no refund then this year in the middle of a Covid 19 They took at 236 ish pounds from my mothers card when challenged on this they said it’s automatically renewed well it would be as most of the people they insure are older so when asked for complete refund they said no we will only refund the money less 25 pounds charge we accepted this filled in form and waited 14 days they say it will take after this period I phone them and was told they would do a bank transfer however it will take 15 working days to do I ask to speak to a manager and was told someone will call you back within 3 working days then he said but the manager has said he will only tell me what the customer service guy had said so basically no point in him phoning me he said I have said I will write about this on every social media site I can find until they return my poor mums money so please be careful if your older parents or family are thinking of using this company as they are awful