Thanks for all the replies i just wanted to add a warning re E&L - i have spent 3 days trying to get thru to them on the phone to cancel my policy and have been met with an answermachine everytime which asks you to leave a message and then doesnt let u! Def glad i came on forum and followed you guys advice and cancelled - you wouldnt want to be trying to get E&L in a hurry! After about 30 attempts on 3 different numbers i eventually got them - 2 days away from the end of the cooling off period! Phew!