AWFUL! Official documents said cancel by email, phone or letter. I emailed to cancel within 14 day cooling off period and received receipt of the email being received but nothing else. Tried calling loads but kept getting put on hold or hung up on! One grumpy advisor had an extremely bad line and told me she was working form home so it's not her fault and then dropped the call! When I eventually got through (about 4 hours of attempted calls in total) I was told that my cancellation was not actioned because it wasn't done by phone call. I said documents state otherwise and she said "well we never do it like that so you're going to have to speak to my manager." Manager not available so I just told her to cancel from today and I would chase it up to reclaim the money lost from previous days. Further chasing proved fruitless. Manager never available and nobody else in the call centre able to discuss cancellation by email. Further, upon refund being received, they whacked me with a £75 charge for cancelling and said cooling off period does not apply... think they need to check the legality of that! I was eventually told that an underwriter would contact me regarding my reclaim and no such call ever came through. Wise Driving washing their hands and saying they don't actually provide insurance now so I would not recommend them to anyone.