Totally agree.
We insured my youngest son with them when he passed his test. We fitted the black box as instructed. Refunds were promised if he achieved Bronze standard or better, and updates we received every week were always saying he'd achieved a broonze.
Thta was right up until the final week after 3 months, when we got and email saying 'sorry you've not achieved bronze standard, so there will be no refund'
Total scam if you ask me, but then again, they're part of the Admiral group so I should have expected nothing else!