I cancelled my car insurance policy on the day it was due to expire , after speaking to them the day before trying to get a more competitive quote off them . As they were TWICE as dear as other quotes I was getting in ringing back to cancel they had already taken the full amount of the policy out of my bank account within 24 hours and said that I was ok to cancel but it will take no longer than 7 days to be credited , after a full week I'm still waiting and in ringing them today guess what all lines are closed for Xmas . Giving them a one out of five is more than they are worth . Having read the reviews they are getting I would never have gone with them in the first place , very poor