Yeah don't go by me, defo ring thme, I have a habit of picking things up wrong. Their Facebook page had a few poor reviews. They were very helpful on the phone. I think I am going to go with Agria. You can chose what % of the bill to pay 0%, 10% or 20% and thd premium stays at £65. Thought they only do up to 5 years old. I was quoted £13.