This company are a total rip off!!! BEWARE!!! if you don't send in your No claims discount proof within 7 days of taking insurance out they will cancel your insurance and ONLY refund 25% of the money you paid. I contacted the company twice in 1 week to let them know I was waiting for the NCD info from my previous ins company then without any further warning I receive a registered letter from bedford ins (Motor Quote Direct) to let me know they are cancelling my ins. Never ever had this problem with previous insurers. TOTAL RIPOFF!!!