The policy when it came through, did not cover commuting, I tried to get through on the phone to amend it but spent an hour on hold, I emailed and I have had no response so far, I guess now I need to get another insurance policy leaving me hundreds of pounds me out of pocket and pursue a refund, Useless. update I have tried to get through on the phone several times no one answers after following the prompts I just sit on hold forever. I have sent a few emails but got no response. I managed to cancel the policy by online form before it was due to start and got a confirmation email. No sign of or word of a refund. multiple emails sent and attempts to call no reply.