The bottom line is: do not use this company. In the first instance, after I had paid for the policy online via a comparison website, Nova called me the following day to go over the same details, adding a couple of rather dubious questions that are never asked on any insurer's website/over the phone or on any comparison website. They increased my premium BECAUSE I DID NOT HAVE TWO ALARMS ON MY CAR. Having an alarm and an immobiliser obviously wasn't considered secure to them. Other major failings are the poor customer service on the phone, the incredibly complex method of sending in documents for validation online, and the extortionate £45 cancellation fee after the first 14 days. This company is interested only in making easy money from naïve customers. If you happen to ignore the advice to avoid them, at least do not blindly purchase a policy online - make sure you get an accurate price over the phone.