At the end of the application, a window appeared saying my card payment had been declined. I wasn't able to retrieve my application form on line so I telephoned the given number. Eventually the call was answered and a lady informed me the payment had been received but she needed to put me through to a colleague. I was put on hold and gave up waiting after 40 minutes. I received an email indicating I was insured but had to register to get hold of the policy. The link didn't work. I called the number again. It didn't work (number not recognised message). I tried the on line chat and immediately got a response. I was sent another email with a link. I submitted the information and am still waiting for the necessary email response to give me a means of accessing the policy. The person "chatting" on line gave up when I informed them it hadn't been successful. I don't think I've been scammed but I still am unsure if I have valid insurance and if so and needed to claim, I can only imagine how impossible that might be. I guess you get what you pay for and they offered the lowest price. Lesson re-learnt!