Avoid at all costs. I Also had Bedford insurance [problem] me. I sent my no claims in but they claimed they had not recieved it. They also claimed i had not stated my penalty points on my original quote, which i had,why would i not and void my insurance. After a couple of weeks they cancelled my insurance by registered post, no email or phone call to warn me and said they would pay the outstanding amount into the account i had paid with, less 25 percent within 5 days. 10 days later another letter arrives asking for me to call a premium number to give the details of where i would like the monies paid. I had a bad feeling from the start about these conmen, since went back to my original insurer who was only 40 quid more anyway, lesson learned.