Avoid at all costs! Everything is fine until you say You would like to leave, Suddenly £25 cancellation fee becomes nearly £100, then if You argue this they without any communication or warning next day will try to add excessive administration cost of £35. Furthermore, they send You emails outside working hours so You are unable to call them and find out whats going on. There are plenty better brokers there... Yes they are not even insurers, just brokers trying to drain You as much as possible when they find out that You want to cancel policy You took through them. Be warned.