I tried to renew policy on phone but waited too long several times listening and paying for your 'phone sales talk'. Because i could not get answer - sent a cheque But you had NOT sent a return envelope nor proper form to fill in . I supplied both of these. I am of an age that has 'BRAND loyally '-so stuck with you.Then I received letter saying there was still time to renew although I thought I had done so. This forced me once again to Phone waiting again for a long time . When I complain I was told BUT we are very busy at this time of year- implying that others were of more importance than my call .If you had not already cashed the cheque I was going to go elsewhere for my insurance.. m barrick