AVOID AVOID AVOID!!!!

AVOID AVOID AVOID!!!!
My premium was 1200 for a year, I received 9 points when 4 months left until reneval, so they asked to pay extra 700. However when I did a new quotation online the price they were offering was just 100 more with all 9 points for the all 12 months... What a joke.
Also my direct debit failed one day, so I rang the same day to pay by the card-they charged me direct debit failure fee (25-30 can't remember), doesn't matter that premium was paid on time. Again, what a joke.
I wanted to cancel 4 months before the end of contract, after I nearly paid a full year's premium (they only take 9 payments) so I've been told that I'll owe money, even knowing that they should be owing me cos I nearly paid for full year.
Rip off, disgusting company.