PLEASE WHATEVER YOU DO. DO NOT GO WITH A CHOICE INSURANCE/PREMIUM INSURANCE! I've just cancelled my policy as I was so scared that if something happened to my car I wouldn't be covered! They've withheld over £300 of my money (as I paid upfront) to cancel my policy! They take £50 as a administration fee and the rest was for themselves as commission. I'm so upset. Please don't make my mistake! Yes they may be the cheapest overall but there is a reason! They are Cowboys! So even at a £300 loss and I'm now paying £500 more for new insurance (with swift cover) I finally feel so relieved. I wish I could have done something about this awful company! Surely £250 isn't right?