This company are fraudsters and completely do not follow standard protocols set by the financial regulators! You are required to ask customers if they wish want to opt into or out of ‘auto renewal’ which 100% did not happen, they auto renewed our policy at a changed financial rate due to a request for support we had made the year prior but did Nova direct not assist us in any way at all, on attempt to cancel our pathetic useless and ridiculous policy they then stated that they offer no cooling off period at all (extremely poor professional conduct!) & you want us to pay a £4.99 service charge (Nova direct have given no service when asked or required they have been completely useless) and £4.99 cancellation charge of a policy I did not want in the first place. Not only did Nova direct not help when we actually required assistance but then tried to increase my policy fee because of it. Nova Direct are aiming to act like legalised theives but I will ensure I warn as many people as I can to avoid your company as possible! Please share and do NOT use this robbing thriving company!