Would give no stars but not an option. Very poor customer service ,admin charges a disgrace.I asked that if I insured my son for only three months would Unused months insurance be given back when cancelling adding up to about a thousand pound and they could not guarantee I would get anything at all and even hinted that I would more. They would not let me just insure him for the three months. This would be a loss of a thousand pounds because I would have to insure for the whole year and not be refunded any of it.The people on the phone are extremely unhelpful and could not care less whether you stay with them or not.They charge admin fees for any changes even though no documents have even been made up yet and would not allow you to insure for exactly what you want at the very beginning of the year forcing you to have to amend policy and be charged extortionate charges.Do not insure with them .When reading theses reviews take note of the bad reviews they are the most accurate