I set up H&C insurance with JLP - at the time they wouldn't let me set up a Direct Debit and insisted on a debit card. My debit card expired and I was sent a new one. Because it's the only bill I had to pay this way - I didn't think to to inform them I had a new card. I received one text from them - that looked like a scam. When I contacted them to ask why payments hadn't been taken - they told me my policy had been cancelled. I had no correspondence to tell me this - so I was unknowingly not insured. What a ridiculous and un-customer-friendly method to do business. Debit cards are easily lost and replaced, they expire periodically and customers are expected to contact JLP to let them know every time. I have since taken out new insurance, payable by Direct Debit and considerably cheaper that my JLP insurance. Very disappointing.