THIS INS AGENT IS OK PROVIDED THERE ARE NO POLICY CHANGES YOU HAVE TO MAKE/ SINCE EVERY CHANGE WILL COST YOU A £40 ADMIN FEE MINIMUM...NO MATTER HOW 'PIFFLINGLY SMALL' ..NOT GOOD. THERE WAIT TIME TO CONTACT ON THE TELEPHONE IS WAY TOO LONG THERE STAFF MERELY QUOTE THE 'SMALL PRINT' AT YOU [REASON THEY'RE POWERLESS TO HELP ONCE THEY'VE GOT YOUR MONEY EVERY LITTLE BIT OF HELP WILL COST YOU BE WARNED 'CHEAPEST [IN THE FIRST INSTANCE]....CAN END UP [WITH SMALL CHANGES TO YOUR POLICY]>>>>>VERY EXPENSIVE. I BELIEVE THIS IS HOW THEY MAKE THE BULK OF THEIR PROFITS!!! MY ADVICE IS STEAR CLEAR UNLESS YOU CAN GUARANTEE NO CHANGES EVER REQUIRED TO YOUR POLICY:(