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cancelling my car insurance


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we have had our car sat on the drive for 2 months and have decided to scrap the car i rang my insurance company to cancel the policy and they want to charge us £26 to do this the policy runs out on the 4th month of 2010

 

1:will i have to pay the fee

2:what will happen if i cancel the direct debit set up

 

thanks for your help

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