Very Bad Experience, I am afraid dealing with this company is invited uncertainty and insecurity. They rearrange an insurance for my company because my main driver resigned for another job. They collected the balance premium for the terminated cover and rearranged a new for the second diver to become the main driver, however they failed to set up a new direct Debit order after collecting my account number. A month later I had a letter from Close Brothers with additional charge of 30 pounds for none Payment, Insurance wanted to intimidate me to accept responsibility for their fault and insisted I should pay the charge. I refuse to pay the charge and they cancel my policy and demanded for extra 108 pounds. They are fraud with no compassion for customer. I would certainly not recommend Insurance Factory. if you must use them then you must be ready to accept their discrepancies