I had similar problem late last year. Sent membership in Oct. Cheque cashed within the week and heard nothing. Two letters later and a threat of legal action and asking for a refund and membership details arrive at the end of Jan with insurance running out at the end of March,but membership running to 2009. No apology or explanation,just really poor service. I hate to think, heaven forbid what it would be like if you needed to make an insurance claim. Maybe a representitive of the magazines or the BASA should come on the forum and explain themselves.