According to the adverts 'Guarentee'd to beat any renewal quote'

So I done a quote online, comes out at £435. Phoned up and said that didn't beat my quote, what can you do. They took my renewal quote of £309 and beat it by ....... a whole 1 pound!
BUT the catch is! you have to pay £435 upfront, then after 60 days you can claim back the remaining £127!

Bit of a con, and I can foresee all the hassles surrounding claiming the money back, it'll cost me a lot more that £1 in phone calls, letters, applications, etc etc!