Car Insurance advice needed

[OLIVE.FAMILY]

Does anybod know how I can get round this.

Our car insurance was due for renwal in December 2007. My son was very ill at the time(diagnosed with type 1 diabetes)and neede alot of TLC. we knew insurance was due but just didnt have time to look into it. My son is now feeling better and getting on with his new life so I decided to look in to our insurance.
Last year hubby had a minor prang and with 3 speeding points from 2004 insurance for him is actually quite high. It went up by £30 a month. I have found a cheaper insurance policy for me t bem ain driver even though i am only a learner but It seems Norwich Union want £52 to cancel. I am flat broke for a little while now and want to know the best way around this as if I change i will be looking at paying £177 all in all

Any advice please

	Car Insurance

[JonCris]

Was NU still your insurer for any period after Dec 2007 & if so for how long

[OLIVE.FAMILY]

Yes they are still my insurer. I havent actually cancelld or changed anything as yet as it seems I cant actually afford to. They seem to have me over a bit of a barrel. To be perfectley honest I am not all that geat on insurance subjects.

[JonCris]

Are you already paying them & if so how?

[OLIVE.FAMILY]

I am paying them monthly direct debit. The next payment is due in a couple of weeks

	The Direct Debit Guarantee • The Guarantee is offered by all Banks and Building Societies that take part in the Direct Debit Scheme. The efficiency and security of the Scheme is monitored and protected by your own Bank or Building Society. • If the amounts to be paid or the payment dates change, we will notify you three working days in advance of your account being debited or as otherwise agreed. • If an error is made by us or by your Bank or Building Society, you are guaranteed a full and immediate refund from your branch of the amount paid. • You can cancel a Direct Debit at any time by writing your Bank or Building Society. Please also send a copy of your letter to us. This is a term of your banking contract and you can sue on it.

[JonCris]

Then they have calculated for the period they have been on risk which can & often is more than your payments to date. So & I suggest £52 is cheap to get out of the contract.

Failing paying that sum you will have no alternative but to take your car of the road until your finances are better