If I had the opportunity I wouldn't even rate them 1*, avoid this company at every opportunity, I sold my vehicle 7 months into my policy, I was paying just over £40 a month, when I rang to cancel policy as I had sold the vehicle, they wanted a cancellation fee of £145.30 ( absolutely ludicrous and day light robbery) now they are threatening me if I don't pay within 28 days it will increase by 25% and affect my credit rating, I have now put this in the hands of the Financial Ombudsman, reading these reviews they appear to make up different scenarios and prices however they feel at any given moment.