Avoid this company They auto-renewed my premium although I don't recall authorising this. I then got a threatening letter saying my payment had been declined (this was because the card had expired) and that I would be charged £25 failed payment fee. Also if I don't respond by 24 June they would charge a cancellation fee of £40 plus any outstanding premium. I don't want to deal with company that treats its customers like this and decided not to renew. I phoned to tell them and got the runaround for about 15 mins and a threat to call in debt collectors, after which I put the phone down in disgust.