Took up a policy with them after using one of the comparison websites as they were marginally less than other brokers. I paid the policy in full.  Since then they have taken a further £105 from my bank account with no authorisation from myself (apparently this is in their small print so beware) for a 2 year old note on my previous insurance account where there hadn't even been an actual claim made! Never mind non fault. Despite my previous insurer telling me that neither this or non fault claims should affect your premium, the guys at Performance wanted an extra £55 and of course a 'service charge' (probably some sort of staff commission going on how desperate these guys seem). My advice - pay a little more and go with a properly established insurer - you'll pay less in the long run. Stay well away from this lot.