Please read these reviews and listen. Do NOT make the silly mistake I did and keep telling yourself it's fine. I have called nearly twice a week for 9 months due to payments not being taken from my account (money was there, "system error" they said.) and then to compensate this they would take large sums of money out of my account with no warning. This is a breech of your credit agreement! Don't let the bullies win. When I complained with the Financial Ombudsman about how I was treated by customer service (was told to leave money collections to the debt collectors even though I wanted to pay it) my account got frozen. With absolutely no notice my policy was canceled and I have just found out 2 months later. STAY AWAY. Too many errors and unnecessary stress for a new driver.