I took out a policy paid in full £246.67. But my current provider Hastings offered it at £244.57 which included home start yoga policy didn't asked for a refund the next morning charged me £49.99 because the policy had already started when my original Hastings was due for renewal. Even though it says yiu have cooling off period of 14 days did this not apply because it was underwritten by another company One call. Not happy couldn't find a phone number to ring to cancel did it through chat. I won't use them again 😡 it will take 3 to 5 days to get a refund of £199.00