Beware of the non-waivable cancellation fee and the significant increases in the annual premiums. They also rely on passive ways of informing about policy premium increases with no explanation of why the increases occur - despite making no claims the policy went up significantly. Even then there are other providers who can supply better cover for less. Avoid - I wish I had not let the policy autorenew as they can't even tell me how much the refund will be. Once they have taken the cancellation fee that is!