never ever take a policy out online.. compare the market need taking to court to allow this cowboy company to operate on there site.. basically took a policy out as they were the cheapest.. paid a £280 deposit.. the total premium was 1295.. didn't here anything for 2 days.. when they rang met they said they needed to validate my details..? basically asked me all the same questions again.. nothing had changed.. said they would call me back 30mins later with a decision..? hang on why have I just paid for a policy if you still haven't made your decision..?? I rang them back hours later to be told I had a high validation score of 67% but 75% is the amount needed to keep the original policy price.. yes you guessed it the new policy price was £2800... I told them to refund my deposit and stop wasting my time to which they replied ok but we are keeping £75 as a cancellation fee.. never use this company I am taking them to the small claims court for my £75 back and I suggest you do the same as if you are reading this it has probably happened to you too