The premium is definitely cheap. But you get what you pay for. Customer service is virtually non-existent, so much so I gave up making a claim as the value was only just a little more than my excess. I always had to wait more than 15 minutes on the phone, and often gave up. It is almost impossible to find an email address (contact@dialdirect.co.uk). When I used it to try and correct an error on my policy, the same error was repeated, leading to 2 more failed phone calls and another email. The live chat function is useless - it picks up a word you have used in your question and replays standard answers that may be related to that word. None of the answers were remotely related to my issues Following an accident, after providing all the details in a long call with Dial Direct, I was passed on to the underwriters where I had to repeat everything. Whilst the underwriter is a different company (Markerstudy), I expect seamless service, and hold Dial Direct responsible for the claim handling process. The service from the underwriter was even worse - at least a 20 minute wait on the phone every time. As stated earlier I gave up through exhaustion and high phone bills. Dial Direct are cheap however - so I have gambled with them for another year as I reckon the chances of making a claim are low, so I will not have to deal with their Customer Service. If I had multiple drivers on my policy, and hence more chance of having to make a claim, I would steer well clear.