I took out an insurance policy for my wife's car and was paying for the policy, I also had a breakdown cover for the vehicle. We never claimed anything, nor used the breakdown service, the insurance policy and breakdown cover was increased substantially and they sent out a letter informing us that the policy's were automatically going to renew. So I called to cancell them. I endured two long wait phone calls with a ridiculously long recorded message followed by a long wait. When I got through to cancell the policy they refused to deal with me as I was not the policy holder. No real need to throw all this red tape at their customers other than to tie you into continuing cover with them, we never asked for an automatic renwal. Will never use them again.