We received our automatic annual renewal offer and were happy with it, so we decided to let the renewal go ahead. Then on the morning of the renewal day, we received an email saying that our policy was cancelled.! We got on the phone we them only to find out the reps were clueless, and no one was able to give us an explanation, but we lost our quote and the policy altogether. Then they said that we would need to apply again, for which we were happy to do so, but they blamed "system problems" and asked us to call the following day again. So the next day, we called them only to find ourselves in a similar situation, clueless reps, and this time they just told us that they cannot offer insurance to us anymore. ???? Never Again.