I have the same problem, spoke to paul got my insurance sorted straight away, 2weeks after, took escort for mot, failed, so I thought cancel insurance, and set about restoring the car over the winter, I was told I had missed the cool down period so I had to wait for insurance company to decide how much refund I would receive, then I'm told it will take outdo 12 weeks to receive my money, what a load of bollocks, I did try and get hold of paul, but I'm informed on several accassions that he was not in the office, still waiting for dosh.