I went with The AA due to the reasonable cost and the fact that they are a large and well known brand. They requested, via email, proof of NCB which I provided the following day to both the original sender and the special email address they provided. A while later they emailed to say the insurance was cancelled with immediate effect as I had not responded to their email request for proof of NCB. I telephoned to try to sort out the matter and the woman on the phone really could not care less. She made that very clear. A proper jobsworth! I could speak to sales and try to create a new policy but could not resurrect the current/old one as it was closed. End of story. Multiple emails to them produced no response at all and even emails to the Directors produced no response at all. So, I bought a policy with RIAS instead for a very similar price and no need to send proof of NCB as they just logged in to the insurers common records for evidence. My opinion now of the AA is MINUS 5 stars!!