Tried to take insurance out online, got a message to ring with a code number to give. Did this and was told by their agent that as my payment wasn't on their system they couldnt insure me. I then realised that I would not be able to use my ncb with them so no point paying over the phone and I asked and he agreed not to proceed with taking out the insurance- at that point it was one and a half hours from the time I went online. Found out 2 days later he hadn't cancelled it, they have charged me for 2 days insurance plus £25 admin fee. I have also been told that if I refuse to pay their debt collection agency will follow it up. So I end up £52 out of pocket with a black mark on my credit rating and all because the first man I spoke to couldn't be bothered to make notes on the computer and do what he promised. TERRIBLE SERVICE !