I required to make zero changes to my policy yet I had to go through the whole initial questions etc again. The reason was because my card details had changed. I spent a long time over the telephone with a gentleman who, although pleasant enough, I could not understand because he didn't seem to be able to speak intelligibly.. It may have been his regional accent but I had to get him to repeat just about everything he said because I was literally unable to comprehend him. It was a painful experience. Having disclaimers and policy aspects read out over the telephone is a terrible way of conducting legal business and to be honest I had to just say yes to things I hoped were correct because I didn't have the heart to ask the poor lad to repeat himself over and over again. I don't ever want to go through this again.