My breakdown insurance was due to expire and I did not wish to renew it. Unbelievingly they charged me £4.99 to opt out of a contract that had expired, Very odd. I have not heard of this practice before. You will see on the Trust Pilot review site that there are many five star reviews. However, the majority are from customers who have been asked to leave a review in return for free legal cover. In effect they leave a glowing review in return for only buying the policy and not actually using it. Have a look at the reviews from folk who have actually had to USE it and it will tell a different story. Many shocking tales of woe and disappointment.