Did the renewal with Adrian Flux 3 months ago and the premium was £445 in monthly payments of £45 for 10 months. Paid for the first 3 months and after called to cancel the policy cause I sold my vehicle. They told me I have a outstanding balance to pay of £137.66 and they took the first 3 payments total of £135. So for 3 months insurance i paid over £270. Try to avoid them cause if something doesn't make sense for you they have an answer or a fine print, no chance to win. By the way they have fees that they are not even aware of. Update- I called them today to send me a brake down of the costs and fees for those 3 months and they are totally different then what they told me on the previous call. They claim that the TOR (time of risk) was £109.44 (that means only the TOR for 12 months is £437) and the premium they gave me with all ad ons and interest was £445. So guys use your brain and stay away this is what I call legal scam. I'll bet if I call them one more time they'll come up with some explanation.