I do not see why when contacting the company they use 0345 numbers as this can range from 8 - 55 pence. When I got my schedule not a certificate of insurance even when I asked for one it included an admin fee of £50.00, Why? When I queried this I was told because they do not charge for changes etc throughout they year this is why this charge is put on. I asked if i made no changes would I receive the admin fee back. After-all this is your business why should a customer have to pay you when you have to provide the necessary documents under law. Competitive price for insurance but not with this admin fee.