I did not realise (mea culpa) that this exclusively an online portal. I would Not have purchased the policy had i realised. As soon as i realised this (& the fact that Live Chat is Only available between 9 & TWO pm - which was only 10 minutes after purchasing the policy - which does not start for at least 2 weeks. The online portal wanted to charge me £49.99 for cancelling.... i thought this must be an error so tried again today. I was informed that they have put an£49.99 cancellation fee into their t & cs... & so the usual 14 Day cooling off period does not apply to Yoga Car Insurance. My fault for not going through the fine small print before accepting the policy - but in 43 years of purchasing car insurance i have Never come across this. Shameless GREED! I am seriously unimpressed & will not be recommending you to anyone at all. I hope whoever get the extra 50 quid - is delighted they have caused upset & frustration.