we ask them to read the policy, we explain bits in the booklet, we ask them to telephone us if there's anything they're not happy with or they're unsure about and we will clarify that, and also we do give them fourteen days in which to cancel, so if if  once they've actually got the policy, if they're not happy with it, or they're not happy with the answers that we give, then they're more than happy  we're more than happy to refund.