Took out home insurance with Bradford & Bingley while renting but then when we bought our first home and took a policy with our mortgage provider, issues began. Their cancellation charge was so high that I decided to keep the policy despite not needing it, had to pay a £20 amendment fee. Changed my bank account and called them with new card details but they said they couldn't take payment until my original payment had been returned unpaid! Another £20 fee. I'm so sick of their fees and farcical systems that I'd rather take a hit with their £30 cancellation fee than remain a customer. Avoid.