Designed by fault insurance. Not in favour of customer. Quotes are pointless as once you accept they analyse your circumstances and target the negatives and invoice extras.(honesty gets you nowhere) Then they never answer promptly. The amount they invoiced me extra was an instant figure. The amount owed to cancel was not. Once they rang back the next day to inform me of my cancellation amount it was half it should be, once challenged it took another day. They cancelled the policy immediately once I said I no longer required it as it was now more than my previous policy haha. Anyway 1 week later still no credit !!! All 1 way. WARNING DO NOT USE. TERRIBLE SERVICE.