Awful company, my monthly insurance payment is usually £56. It went up to £202 for one of the months because my score went below 40. However when I rang up and enquired about this, the lady on the phone by the name of Kerrin said usually they send a warning email to let you know that if your score goes any lower then you will be charged as a penalty. *I never received this email. Kerrin even checked. When I asked for compensation of any sort Kerrin said there was nothing she could do and hung up.