ive been with them for a couple of years now. had great service no problems, i do know that the 14 day cooling period applys to the insurance company's & the insurance company,s can charge an admin fee £30-£40 but if you use a broker they will & can charge their commision & fees. as
per their terms & condition's so in my eye they haven't done anything wrong.
the other problem you get is that there are hardly any direct insurers who will insure a modified car. sorry mate