Car insurance; I asked for a paper copy of the policy since it was very many pages and I didn't have a printer at the time. Didn't arrive. Called again to be met by laughter; 'We have a copy somewhere in the office ....' . didn't arrive. Had a break down- the exhaust suddenly fell off at one end, of course I had no details of the break down cover, included in the insurance, in the car. So I had to get an emergency mechanic out at my own cost. I called to complain but got nowhere so cancelled and the rep 'stiffed me' giving me only a very small portion of the annual cost after two months' insurance. called again [4th call] and was told that was a miscalculation and was sent the correct amount. NEVER AGAIN.