Well I have used this company for many years. They have always been competitive on price. I now know why. They will happily take your money but the moment that you want to cancel its a completely different matter. I have email logs stating that an email left my servers for them to say that I wanted to cancel the policy. The refuse to accept that they received them. Lesson learned - set your email to ask for delivery receipt. When I eventually used their forms to contact took two weeks to respond. Sent me an email asking if I really wanted to cancel? Because we had some family issues I wasn't able to answer straight away. When I did answer apparently my answer was outside of acceptable time scales and I would need to start the process again. And a bill for £46.48 and a cancellation charge. THIS COMPANY ONLY WANTS YOUR MONEY. DO NOT USE AND READ THE OTHER REVIEWS BELOW WHO HAVE EXPERIENCED THEM. I WISH I HAD. USE AT YOUR PERIL!!!