give this company a wide birth BIG TIME I took this insurance out as I was told it was on performance then after going through everything I was told there was a curfew I said I wasn't sure about that as my daughter works late shifts and was told as long as she doesn't drive much on that day it would even out. I wasn't happy about that so I rang back to check and the lady was helpful and said this wasn't the insurance for my daughter and she would ring me back on the Monday to let me know if I could get my money back .I had to ring yet again and was told she'd email the woman I spoke to the woman did ring me back and again was helpful and we could cancel and I'd get my money back in 14 days .3 days later I'm still waiting no payment so I ring back again and asked to speak to the manager he told me it needed to go to the finance department so I explained I was going to have a full refund minus the £25 cancellation fee where was it and he explained he they needed to work out how much I had used after arguing with him he discovers I was right and no need to go to the finance department as he would authorise it (bull) . Next day still no money so I ring back again and now he tells me there is another 3-5 working days for them to sort it out. I told him he never said that and he told me you didn't ask!!!! I was also charged my first direct debit and have also got to wait for that even though the policy was cancelled I've ran up a £20 phone bill on top and still no money Back stay away from these cons it'll cost u more than going for a decent company