I made a very bad decision and arranged a policy with Lacaster insurance which I thought was good value, the operator explained only basic details. After I had paid my initial deposit because I chose instalments.i had made a big mistake and had given over my Bank details,I phoned back after a mammoth wait on the phone,and discovered I only had day time cover no night cover, I asked to cancel the insurance which I thought would be OK has I had 14 days cooling off period, however I was told I would have to pay the total policy in full, .but was told I could avoid this cost and use the car in the evenings by paying an extra £50 pounds, but they were adamant they would take the total payment if I cancelled, anyway I thought I would carry on with the policy. I continued the Insurance for 3 months, but then sold the car and needed to cancel, trying to get through to their customer service department was unbelievable, then surprise, surprise they wanted £150 pounds to cancel, also I had a change of number plate so another £30 pounds added on, I discussed the situation to the operator but they insisted they wanted tha extra 9 months paid in full after a wait of nearly 30 minutes on the phone they reduced the cancellation to £122 pounds which I have paid to end the drama!! Buyer Beware. I cannot imagine how a claim would be dealt with? MyAdvise is choose a major company e.g Direct Line, Saga, or Churchill, they answer the phone no hidden charges and no number plate fee for a private transfer plate and everything explained, Remember buy cheap, pay twice, avoid this company at all costs.