Hmm not very happy at all at the moment, just spoken to Customer Services as I am changing to a STOCK Octavia VRS from a fairly heavily modified A3. First off get a quote for the change of vehicle another £108 more to insure, total working out over £116 quid a year more expensive than Skoda insurance. OK so fair enough I look at cancelling after 3 months cover, well now comes rolling out all of the hidden charges (well not hidden to be fair but well buried charges). so they have covered me for what will be less than 1/4 of the policy yet they want me to accept back just over 1/4 of the total policy cost. So looks like I will have to bend over and pay the difference to them (though that galls me) and next year look at swapping to the Skoda policy. I have asked for a complete breakdown by email quoting exactly where I can find this wording in the various bits of documentation that they have sent me. I've never had this pointed out at any point by anyone that I have spoken to. Wouldn't mind but I have renewed a few times through AF, and up till now have been happy with the service that I have got. Had to exercise a fair amount of control, realising that it wasn't the Lady's fault that I was talking too.