I too have had a nightmare with af.....they gave me a box that monitored my mileage, and my monthly payments were spread over 10. A week before the last payment was due, they called me to say that I had gone over my agreed mileage. I told them this was nonsense as the car was in bits in my garage to be rebuilt over winter........they then cancelled my policy, I asked them to provide this so called evidence of extra mileage, No reply...I asked them about my 2 months insurance cover ....no reply...they expected me to pay the last installment after telling me that they have cancelled my policy.....the attitude on the phone was second to none. They would have won the attitude of the year competition hands down. I have took out a new policy the same day with another company and saved an absolute fortune......iam speaking to fos and hopefully they will be brought to order....