Carflexi are crooks in my view. I selected the service I wanted and proceeded to the payment page. I did not realise that they had charged me for excess protection which I didn't want or need. I have written to them on 5 occasions and they are hiding behind their standard response. It is clear that this is a tactic for them to make more money. I have even checked out my consumer rights and still they refuse to refund them. Don't use them