I took out a policy online but called to check details and to insist I didn't want it renewing automatically. Twelve months later it did renew but I allowed it to continue as I'd be ill. This year they sent me a copy of the policy for this year and it had gone up three fold. I called and cancelled and was told I'd have to pay £45 cancellation fee. I explained I'd opted out and the lady said they would listen to my call stating this and be back I touch. I never heard anything more of this just now demands for £86.24 for further cover and cancellation fees. Now they are threatening debt collectors. I've phoned again today and surprise they say they have no opt out policy. BEWARE, it may be cheap at first but you will get caught with this fee when you want to cancel. Budget by name, budget by nature. Go to a more reputable firm. Save money and stress