never sent any documents or direct debit then got an email saying direct debit sent back to them and they would charge me an admin fee for their mistake , when i rang them i had to leave a message which promised a call back that never came ( 3 times ) when i did finally talk to them after ringing their number for quotes i was greeted by rude and arrogant staff , avoid like the plague very poor service , god knows what would happen if i had to make a claim