The worse insurance experience I have ever had. They need to be thoroughly investigated. They are profiting from cancelling policies but retaining a portion of the premium. Hiding behind a simple admin issue such as a poor NCB image is just an excuse. Intimidating generic letters with bold print YOUR POLICY WILL BE CANCELLED. Impossible to get through to over the phone in a reasonable time. Even their phone message is illiterate "telephony". Countless other issues. All causing a lot of anxiety. They do not deserve one star so we should all report them to the regulators.