Do not use Premium Choice car insurance, avoid at all costs. I never had any direct contact with them until I received a letter stating that I did not declare a previous claim and therefore my monthly cost was increasing. I contacted them and explained that I have never had a claim, they proceeded to tell me that because I enquired with my previous insurer about something that they have put this down as a 'Claim-non-fault', I explained to them what happened and that I never made a claim against my insurance. They would not accept this and charged me more on top of my premium, they also added Administration Charges for adding the extra on my premium which was an extra cost. A couple of months later, I called them to ask about adding something to my policy. The first person I spoke to said that it was do able but I would need to speak to another department. Once passed to the other department the agent said that I could not make the change to this policy. They also stated that there was an additional payment needing to be paid. I asked what this was and they said it was because I did not disclose an 'incident' that happened. I explained to them that I have already sorted this out with them and they were supposed to add this to my monthly payment. They then told me that 'due to a transmission error' this was not added and needed paying now. I expressed that I would like to make a formal complaint as I was being penalized for an error on their part. I was transferred to a member of the complaints department who was extremely rude and did not listen to my explanation. She kept talking over me and was very patronizing. I have been in touch with them since regarding changing the details of my vehicle and their service was awful. After, being pushed pillar to post I ended up cancelling my insurance with them and taking out a better policy for half the price with a reputable company! Do not let them take your money!