I have read through some of this post and have every sympathy, because the same has happened to my family. I have posted the following on other forums as I hope that it will help others to avoid this company at all costs. What this forum has revealed to me is that INSURE YOUR MOTOR knowingly assist XS DIRECT in their bad business practices. There are others with a variety of awful experiences with them. I hope to God that they are stopped soon. The following is my contribution to this: --------.... I can barely express what I think about this company and how bad they are. They operate under authorized theft by finding a loophole in the law that enables them to charge thousands of pounds in excess to their clients, resulting from any claims. Usually you do not have to pay the excess unless you have had work done to your own vehicle. But they have found a way around this. Google them, you will soon find out how they operate. The misery and stress they are causing to many people, often young people, forcing them into horrendous debt, and I am talking thousands of pounds, is absolutely immoral. And this on top of already high premiums. They deserve a massive come-uppance for the evil way in which they run their business. Just evil, that's all I can say. To see the anguish, desperation and stress caused by what they do is worrying. They may well be responsible for people going into severe depression and worse. I have witnessed this in my own family. Maybe we should make our complaints to somewhere like moneysavingexpert.com - perhaps then someone will take the issue up with the authorities governing such corrupt companies. Avoid, Avoid, Avoid.