Money from my bank account that is. For their admin errors mainly and for something called Policy + which I would never agree to having. Plus the policy premium for my horse goes up every year without discussion and me having made no claims whatsoever. How can a company go into your bank account and take money without advising you of the intention beforehand. Needless to say I am shopping around for next years policy and will not be recommending E&L let alone using them again. Sadly I have just renewed my trailer insurance. If I thought there was any change of a decent refund I would cancel that too. But I very much doubt it.