Second home was sold. Informed them via their Contact Us form I would be cancelling next premium. They ignored this. Replied to first email saying they could not collect saying I had informed them. Second threatening email said they would be taking £136.12 to cover cancellation fee, arrangement fee and unpaid premiums, yet website only mentions an (unknown to me) £50 cancellation fee. Other fees are buried. Tone on email quite threatening. So, beware if you don't think you need the policy for a whole year or cancelling mid term because you will get slapped with about 6 months premiums to pay.