DO NOT USE PREMIUM CHOICE!!!! After a stupid accident which wasn't my fault having the police report and 3 witnesses...they decided to change this. They put me at fault and suggested I've made a claim. I ring xs direct they told me..in order to get my ncb i had to pay £225 for some person who came by to investigate the matter. I had complied with the situation...pay them £225 and a week after received 0 ncb. Called them 3 times in one hour time so they can change my ncb they put down on the paper 1year afterall but they also put down that it was MY FAULT. Now do explain to me how on earth my next insurer will belive me when u left in the sistem that it was my fault and still gave a year ncb. It doesn't make any sense. Do not use them. They are just legal scammers, attracting you with a small money insurance and u end up paying double than the initial amount. Take your money elsewhere DO NOT USE THEM. JUST DON'T!