^^ I didn't have to go in to BJP either, erm. Sent the proposal form and copies of licences, etc by email and paid the deposit by telephone with one of those new fangled plastic money transferring card thingys. It's all modern technology these days! However, with BJP if you need something like a cert/disc in a hurry you can go in and collect it, they have access to Axa's system so can print off what you want more or less on demand. With Liberty they'll just tell you lies about posting stuff and won't let you collect anything. They'll also tell you lies about temporary transfer of vehicles and generally make doing business as stressful as possible. Added to that, they're the only firm that ask if you work for mytaxi, judging by my renewal quote and others in this thread they're clearly applying a very substantial surcharge if you do. In short, they're not geared up to deal with the taxi trade and probably don't want to.