I used a comparison website to find Nova Was the cheapest company . I should have looked at these reviews first . After paying a deposit over they then contact me to say they can’t actually provide me with fully comprehensive insurance as my husband is the registered keeper . i queried why Hastings direct has insured me for the last year and their answer was they wouldn’t have paid out if I would have had an accident . Alarm bells rang and eventually after saying my premium would actually be more than the initial quote I asked for my £56 deposit back as it had only been 12 days and 2 weeks before the policy would start . He advised me I would have a £125 cancellation fee as this is in their terms and conditions .. no cooling off period! I have contacted the FSA who will pursue them in 8 weeks if I do not have a satisfactory conclusion. Please please do not insure yourselves with these people