Initially, providing Be Wiser with my supporting documents was an absolute nightmare. They were constantly contradicting themselves as to the info I needed to provide. 6 weeks after the policy began, I had to move address. When I called them to advise and get the address changed on the policy they told me they did not cover the area and that my policy would be cancelled. I was pretty annoyed at this as it was such a hassle to set up in the first place. I arrange alternative cover from the date Be Wiser were cancelling my policy and e-mailed Be Wiser to find out when I could expect my refund as I've paid well over the cost for the 2 months I did actually receive service. They proceed to tell me that I owe them over £250 because of the policy being cancelled. This figure is made of admin fees and 20% of the entire policy value. I've received an e-mail chasing payment this morning and I have sent them a strongly worded complaint. I will not be penalized for the fact that they could not provide me with a service at my new address and I have advised them that if I do not receive confirmation of a refund and an apology, I will be taking this as far as it takes. This is disgusting treatment and typical of big companies who will try to extort their customers. I would strongly recommend staying well away from this company.