Been driving for 8 years never had a accident then one day was driving home and someone pulled out and hit me side on my car got written off damaged my thumb there insurance admitted it was there fault and I have lost 5years of my NCB because of this!! I phoned them asked them what the hell is going on they said because they haven't got there money back from the 3rd party insurance that I have lost them until they get there money back this is coming up on a year now since then I am due for renewal and they want just under 4 thousand for renewal!! avoid them at all costs had to pay my excess out of my pocket until my lawyers got it back from the 3rd party please avoid them you honestly contact centre are a joke!!