“Proceed with caution.
I cancelled my policy within one day of purchase, before the policy start date, and the insurer confirmed £0.00 time on cover. No claims. No risk carried.
Despite this, £49.99 was retained as a broker “set-up” fee. While this fee exists in their charges document, in practice it makes the 14-day cooling-off period expensive and ineffective, especially for a policy that never went live.
To be fair:
Cancellation was processed
A partial refund was issued
However, losing nearly £50 for cancelling immediately raises real questions about fairness and transparency for consumers using an online-only broker.
My advice to others:
Read the Our Charges document line by line
Don’t assume the cooling-off period means “risk-free”
If anything feels off during checkout, stop
Not a scam — but definitely not customer-friendly.”
“Very pleased with the service , the site was easy to manage , the details were all to hand , payment was made easily documents arrived , all in all very good service ,”
“I have recently bought a new car and so amended my policy. This was easy to complete. However, it wasn't clear whether my free breakdown cover has also been transferred to my new car as the breakdown cover document wasn't included in the new policies you sent. For peace of mind, this would have been helpful. Other than that, you have been brilliant.”
“Easy to get the insurance for my needs, also easy and quick setup whether you want to pay annual or monthly.Theres a few extras you can have but mostly all in the price given.”
