I took out insurance for a small van that I use to take my dogs to the park in. I arranged to pay monthly. I sent proof of no claims and was told they have received it, but later they told me it had not been received. After numerous phone calls it was sorted. I had full comprehensive insurance. Six months later I changed my van for another van that was exactly the same apart from the new van had a smaller engine. To change the insurance over to the new van the cost had gone up a massive amount. I had to change it to third party and my monthly payments went up by an extra £10.00 a month. I did get a quote from another company that was very cheap for full comprehensive, but to cancel with budget they would have charged me £70.00 for that. I had no choice, I had to suffer paying more each month for my van with a smaller engine than the previous one and also drop down to third party insurance. Would I use them again, never.