The procedure of setting up the policy involved , Bon Accord Life, LifeQuote, Direct Life and Zurich. During the evaluation period I received calls at home in the evening and it was not clear whether the calls were connected with my enquiry to Bon Accord or from a separate company. My contact at LifeQuote had to refer straightforward questions to Zurich which led to inconvenient delays in setting up the policy. My criticism is that there is poor communication between your companies. In one instance I was advised that my direct debit had been cancelled which was incorrect.