They're cheap for a reason. The application process is fully automated which is fine until there's a problem with their system. I needed to submit my NI number and driving licence details which I did even though they have previously acknowledged receipt (twice). Now the policy has started I have received a letter (automated) threatening me with cancelling the policy in 5 days time because they haven't received the information. I've re-submitted the details and received another (automated) on-screen acknowledgement but will be away when my policy might be cancelled so whether I'll be driving uninsured is anybody's guess. There are times like this when saving a few pounds is a false economy.