SHOCKING! DO YOURSELF A FAVOUR AND AVOID THIS COMPANY. YOU WILL SAVE MONEY AT FIRST BUT IN THE LONG RUN YOU WILL PAY FOR IT AND MORE! If there was the option for zero they would have got it. I would advise everyone to avoid this company like the plague. I have always used the cheapest insurers but never had any claims. Last year i was involved in a minor incident and had to deal to these people.. Now I realise why these guys are so cheap. They are absoloutely useless. Always happy to talk when they want your money but want nothing to do with you or your claim. They will  pass you around to several different companies who handle different aspects of the claim. Its confusing, frustrating and a massive waste of time. In the end i just gave up because i didnt want the hassel. A few months later im told the company they used to underwrite was going in to liquidation,  but they could smoothly transfer the policy to another company at the same monthly repayments. So I agreed. A few weeks later i was sent a letter telling me my insurance is being raised from 55 pounds a month to an eye watering 168 pounds a month ! I was told that because I had a claim still in dispute i had to pay the old policy to the end and my new policy with an increased premium!  Id had enough, i just wanted to cut all ties with this company.  I spoke to an adviser and evetually agreed a cancellation price 297 pounds. I very clearly asked him if i pay this are we done? I owe you no more money? I was told thats it, no futher payments required. Not even 2 weeks later im sent a letter telling me they will take 51 pounds for a cancellation fee. If its not paid they will pass the debt to a recovery agency with more charges. The dispute still continues.