Absolutely appalling - they really are a disgrace ! I arranged my car insurance effective 30th June - I was picking up my car on that date. They claim the policy was a month earlier - why would it be when I was picking up my new car in 30th June - I didn’t need insurance before that date. They sent several threatening letters, whilst I was on holiday, stating I hadn’t uploaded proof of my 8 years NCD (I couldn’t, I was abroad) and then wrote saying if I didn’t upload it by 26 June (I was still abroad) they will cancel policy - this was a letter sent to my home ! I returned from holiday and read this letter and was left with the problem of very quickly having to organise alternative insurance as I was picking up my new Tesla at midday the next day and they confirmed they had cancelled policy !! I managed to arrange an alternative and then Aviva write saying ‘ we have your NCD and you are all covered !!!! Unbelievable ! I responded saying I agreed with their cancellation notice and please refund the full annual fee. They deducted £114 !!!! I assume they have deducted one month - the month I didn’t even own the car so why would I insure it from that date - plus £50 which they threatened to do if I didn’t upload my NCD details by 23rd June. They are a nightmare - don’t touch them - one doesn’t know what the other has said - they certainly don’t coordinate and work as a team and they certainly don’t offer a service you’d expect !! Why would I insure a car one month before I needed it !! !