I was in a tight spot and needed insurance. I was disappointed to find that Intellegent Insurance, whilst it offered the cover I needed, made it non-cancellable. i.e., I may only want it for a month and pay for the year but they wont refund me the balance of premium if and when I cancel it. Opportunists - not a really respectable way of doing business. I provide all details, I pay in full in good faith - am made aware no refunds of course - but no choice. Not really customer friendly. Once I've sorted things I will make sure I dont get in a 'got you by the curlies' position again.