I wish I had read the reviews before taking out insurance. On completion of form and payment made I noticed that even though I wanted a courtesy car it mentions no guarantee you would get one. You can pay extra to guarantee courtesy car. I phone customer service within 5 mins of payment and they said that although you get a free courtesy car, its only if one is available at the time. I could pay a fee to guarantee one though. When I asked to cancel as I only took insurance out 5 minutes ago, I was told there is a £25 fee. It was cheaper to pay the guarantee cost. Wont be going with them next year.