Rubbish - Hastings Direct requested a copy of the V5 and then landed me with a bill for £8 additional premium and £30 admin fee for an error in the purchase date of the car (who remembers the exact date 8 years down the line). They'd already charged £20 for setting the policy up and charge £45 for cancelling. So basically the whole business model is about ripping you off for whatever they can. No other company treats new customers like this. Luckily I was only on day 3 of the 14 day cooling off period when I realised so minimised my losses. They also failed to address my complaint within the 4 working days they stated, but did manage to email a demand notice for the £38 fee and a threat to terminate the policy. I suspect the slow reply was to expire the cooling off period. So be aware of their sharp practice