I had a policy for bike for just under 2 months, after selling the bike I went to cancel the insurance. I was expecting to get some money back for the term unused, however I was told then that I was not due any refund. They charged me a £75 cancellation fee and charged a 50% fee over the full annual policy for the term used, this was stated in the terms and conditions so I do not have any legal right to dispute this but these policies are very unfair and they charge you fees for everything. Please avoid this company there is fees for everything. Admin fees minimum £15 for changing anything, I was quoted £75 admin fee just to alter some of my details. AVOID