I am very upset after reading the email from Hastings Direct Smartmiles, threatening to take £152 from my credit card and if I don't pay up, they will ruin my perfect credit history. I made the mistake of putting 8 years No Claim Bonus instead of 9 and the woman operative told me that according to the live rate this moment, I will have to pay £159.53 (£25 admin fee) on top of the £800 plus I paid last month (my son is 19). I was very shaken. I kept telling the woman that I did not inflate the figure with a view to lowering the premium. I made a genuine mistake of giving 8 years instead of 9 which is what I have. To any rational people, the common sense rule is that the more NCB years you have, the less you pay. The woman operative, a Ms Gill, kept saying that because of LIVE RATE, I actually had to pay more. Then she probably pretended to help me by running through my quote again and of course, according to her, I still have to pay. I googled the internet and found a similar amount being quoted by another person with a complaint on this site. It seems to be it is their practice to whack people with £152! My policy number : 22039TET0039072 The tone of the email is plain nasty. Please read Additional Premium £134.93 Your change caused your premium to increase Administration Fee £25.00 As stated in our Terms and Conditions Amount due £159.93 Please contact our Customer Service team. If we do not hear from you in the next 7 days we will collect this amount using your securely held card details. If we are unsuccessful your policy may be cancelled and the amount shown will be passed to a debt collection agency and your credit rating may be affected. ***** If I cancelled the policy, I would only get back £600! What a nasty company. They have no right to hit people with a genuine mistake like this - not to say I have ONE MORE YEAR OF NO CLAIM BONUS. The woman operative stuck to her gun saying that it is because of the LIVE RATE, she could not get me a lower quote! I hope anybody reading this take this as a lesson - I wish I had stayed with my previous insurer. Beware of this company. It is NO JOKE! It seems to be this company have a penchant of whacking people with £152! Would you like to deal with a nasty company like that??? Next time when you see the name, stay away or you will live to regret it!