Warning to others DONT pay by annual direct debit if you find a better quote for the next year and don't tell them they automatically take their fee which will be higher than the previous year and then charge you £50 to cancel plus the number of days the policy has been in date before you realise you are paying 2 insurance policies. Nothing you can do hard way to learn, so be warned feels like sharp practice to me. I did try to argue the toss but to no avail, made me feel that I was trying to not pay insurance which I found rather insulting as I have never been without insurance. So I wont be using them again for any insurances.