Avoid at all costs. I had to send my proof of no claims in 4 times after recieving numerous letters threatening to cancel my policy. When there was an issue with my policy I had to phone up and sit on hold for 20 minutes to be told she couldn't deal with it and I had to sit on hold again. I said this wasn't acceptable and she said she would call me back. She never did. I sent 2 emails explaining why someone needs to call me back rather than me keep sitting on hold, costing me a fortune on my phone bill and wasting literally hours of my own time. No reply. I gave in and called again, unfortunately I was on hold for 30 minutes that time. When I raised the issue of the last person not phoning me back I was reassured she did and she left me a voicemail. I did not receive this which concerns me that either she lied on the system and just put that she called me when she didn't, or she called the wrong number and left my information on their voicemail. It also upsets me that I was not believed when I made a point of saying I didn't receive that call. When he resolved the issue with my policy, I asked to speak to someone to make a complaint. He said someone would call me back that day before 5pm. I did not receive that call until the next day, which beacause I was working, all I got was a voicemail, saying yet again that she did call me back when she didn't, and saying to call up again to make a complaint. With the waiting times, I was not prepared to do that. So unfortunately you have won and I have not been able to make a complaint where I would have demanded some compensation for the stress, time and phone bill for the customer service that has been absolutely shocking from start to finish. To top it off, there is no "cooling off period" at the start of the policy, it is just a cancellation fee. I have never had issues with any other insurer like this, as soon as my policy had ended I definitely will not be redoing it, and absolutely would reccomended people to stay well clear.