I have just discovered this exact problem. I couldn't believe it - My wife asked me what the 9.99 a month was on my statement and I told her I assumed it was a bank charge. After calling my bank I then got hold of Policy Administration Services to discover this was insurance on a phone I owned over 4 years ago!!! I have spoken to Policy Admin Services requesting a refund and I didn't get anywhere with them, although I will attempt to call again and ask about seeing my contract with them. Glad I found this post - I'll let you all know how I get on.