NCI's aim is to provide competitive quotes through comparison sites and then hit you with whopping extra costs. For the first time I had to provide licence check codes from DVLA and copies of actual licences, this allows them to check you driving record, which is reasonable you may think. However, what they are looking for is any minor discrepancy in your 'compare the market' data and then come the extra's. I didn't know about a speeding fine my wife had incurred last year (SP30, 3 points) and they wanted £150 extra on top of a £400 premium. About £85 more than when priced competitively. To cancel the policy after 34 days I was offered £245! A derisory amount as they charge £75 plus the £50 commission they originally made on your policy! I was very keen to take my business elsewhere but ended up paying £81 odd to remove my wife from the policy. Customer service was pretty good but the hassle and costs 'post quote' will mean I never insure with this company again.