Substantial disadvantages with direct insurers!!!!!!!!!!! An attractive price-performance-ratio of a direct insurance brought me after now not even 4 years out of the contract which I was inexplicably terminated! Only a hail damage was one year back! One writes, one does not want to continue the contract! therefore one exercises the both-sided right of termination! no details of reasons also not with telephone demand! It is an in-house decision ohn e Access by telephone advisors! there was no delay in payment of the annual insurance contribution,with existing debit authorization! No reminder or any other! Even with telephone demand by me, I got no reason, no thanks for the 4 year old trust.Nothing positive! Now I have to look to find an insurance that still takes me. Because an insured customer, who quits by the insurer wi rd, is only very difficult to take back by another insurer !!!! Over the Internet at all not or hardly possible! Or only in the car.- Liability without UK or partial cascade! Therefore I can only advise in front of any direct insurer, they go best to their personal, familiar representative , so I can only strongly advise everyone. Only that could now assure me again. So my experience! mfg