Swinton tried to get another £25 out of me a couple of months after I had taken up the policy due to an adjustment. apparently I had to pay an admin fee for adding a change re an accident back in 2008 (which wasn't my fault with no claims protection) As I was with them the year before I asked why it didn't come up last year. After finally getting through to a supervisor and another half an hour on the phone they waived the charge.