Took out insurance with 0 no claims, got cert through stating 9 years no claims, i called them up to be told that it includes 9 years no claims, we had never advised of any no claims at all. then i was told it had 3 years no claims added that we needed to provide, which i again advised that i did not say we had any no claims and that i did not want it to be added to policy at all!! I was then informed that the money we had paid in full was including a no claim discount????!!! so no doubt they do this as a scam so when you cant provide the imaginary no claims that they will say they will cancel the policy or want further money to cover!!! the service is terrible, its a complete scam, i have been passed around to 5 different advisors today to try to cancel, they couldn't get me through to cancellations, i am still waiting for a call back!! stay away from this company the service is terrible and they make things up as they go along!! no doubt when i finally get to cancel they will be wanting to charge for canceling, not happy at all!!