TLDR: Totally Insurance illegal started a policy on my behalf without my consent... I was told I had to go through a series of questions and an underwriting to get an exact quote for sports insurance. I expressed I wanted it for my bicycle more than myself, but decided to get the quote anyway after being told they only did it for the rider, not the bike, as I thought I could always get a second policy from somewhere else for the bike. I was told I'd receive a code from the insurance provider - Royal London - that I'd need to activate to start the policy, so I was assured by Tim at Totally that I wouldn't be starting a policy, just receiving an exact quote. Deciding not to go ahead I started a policy with another provider. 3 months down the line, I had an email from Royal London welcoming me. Tim, and Totally Insurance had proceeded with my policy despite not activating a code or giving authorisation to do so. Royal London quickly cancelled the policy and were very pleasant. Totally said it 'didn't sound like Tim' but I received a voicemail about 10 minutes after the cancellation, from Tim, exclaiming that he activated the policy on my behalf because he was worried I'd be without insurance as I hadn't gone ahead with the policy. Pretty sure they acted illegally, but at the very least they were very sneaky and dishonest.