I am disgusted with Intelligent insurance .I agreed on a home insurance policy online and paid by credit card .Three hours later I realised I needed more cover .Having read the conditions I knew this would involve a penalty ,so I cancelled by email .I also phoned to confirm cancellation and was informed that there would be a £30 cancellation charge deducted from the refund . This was on 15 September and the policy was not due to start until 1st October .I consider this to be very sharp practice . I am glad that I do not have a policy with this company if this is how they conduct their business as the policy was never in force .