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Do not use this Insurance company, they are thieves, stealing people's money and calling it a downpayment. I was charged 531$ on my first day to them its called downpayment, they insured me for only one month and I cancelled my policy with them. I was charged for that month $242 I cancelled and they said I would be getting a refund after deducting the penalty fee. They said I would pay the penalty fee but didn’t specifically tell me an amount. Called and spoke with 3 account representatives and none of them was able to break down my charges or even tell me how much I was charged for the penalty fee. Instead, they said I should call my broker on the phone and all he could say is that he is on a call with a customer and he doesn’t have time, so I am no longer a customer or I do not have the right to ask about my money and the charges on my account? Now out of $773, they are saying I’m getting a $93 refund as a cheque. I need a breakdown and explanation of how much I paid for the cancellation fee and why I am getting back that ridiculous amount. My advice for anyone shopping around, do not go here… Don’t say I didn’t warn you. THIEVES!!!