What a complete joke! I just got my policy cancelled after paying £480 as a down payment, and £220 every month. I got an email telling me that I've been 50% over the speed limit, twice! Funny thing is, the road I was speeding on was a 40 mph road, but in their email they stated it was 30 mph and I was driving 48 mph. I never got an email for the first offence, only the second one. Now my policy is getting cancelled in a week, for something as stupid as their system, failing to send me an email for the first offence. When I called them, they insisted that they sent an email for the first offence. I took a loan to get me an insurance, since I'm a student, and this happens... Never JOIN their policy, they'll try and take everything of you. - I will be glad to sue them for every single penny.