I would not have even given ONE STAR for this insurance company. I WOULD ADVISE ANYONE LOOKING FOR CAR INSURANCE TO AVOID THEM AT ALL COSTS!!!!!!!! I am a new driver and had a little bump and nptified them of this but no claims were being submitted. They, then, decided to cancel my insurance. I telephoned them to say just refund my money but they said I wasn't entitled to a refund even though I was only with them 3 weeks and I had paid the annual cost upfront. I eventually got my money bit less £200 so I asked to put an offical complaint in and someone phoned me but I was on the telephone to an umderstanding insurer at the time so she left a abrupt email. I answered her back twice and asked for a breakdown of the money they kept from my refund but to no avail I still do not have any answers. I am giving them the 8 weeks to answer me back and then I will report this to the FCA and the FOS as I do not think they would be entitled to over £200 for three weeks cover. STAY CLEAR OF THIS COMPANY!!!!