Absolute Crooks, in my opinion! Am an ice supplier, very seasonal, summer only generally. Use freezer van for a few jobs a year doing very occasional courier work. Fine, got the quote. Paid in full the day before I required cover. Nova confirmed and said I'd receive documents shortly. Days later got a text "Ring us or we will cancel policy!" Rang and held, pressing option 2 every few minutes to confirm I was holding. "You can't be a courier AND carry your own ice!" Why? No problems with other insurers. "OK you can but we want another £300+" I said i's stick with my current insurer who were cheaper. ROSS said "Right, we'll charge you for the cover you've already charged (one day but no policy issued) plus £60 cancellation fee!" I said I would report them and take it up with my credit card company. He replied "Now you've said that we will need a letter from your bank before you can get a refund, we will need proof of address, ID etc, you will spend a lot of time before you ever get a refund and it'll be your time wasted!" CROOKS, CROOKS, CROOKS, ABSOLUTE CROOKS! I said and Goodbye!. He rang me back. "You can't cancel like that!" I Need your DOB, etc etc, otherwise we'll just keep charging you more!" If you need proof just check out the reviews on google maps.