Thanks. You have been very helpful. Much appreciated.

I cancelled the policy because I found a cheaper policy but I didn't say why I had cancelled the policy. If I decided to sell my car and use public transport would that mean I was still tied in to a policy for the rest of the 12 month period? If I lost a limb and couldn't drive would I still be tied in to the same policy? The bottom line is "am I legally bound to pay a cancellation charge"? Is a cancellation charge a penalty charge? I sent an email request asking what the charge covers and a breakdown of the cancellation charge but the response was that I was required to phone a number. If I have sent a request in writing are they not obliged to supply the information in writing? Why should I have to phone? The only documentation I have is the insurance certificate (I might not have even received a renewal. I'd been with them for quite a number of years). thanks

I recently cancelled my car insurance policy with the Norwich Union which Ihad been with for a number of years.On cancellation I received a letter indicating that I was due £46 whichincluded a cancellation charge. Since I pay DD monthly, the amountpresumably just covers the charge.I spoke to a consumer advice helpline which said I would be best paying thecharge as I could be held accountable to the balance for the rest of theyear (since car insurance policies cover a 12 month period).I do not have any documentation that indicates cancellation charges but Iknow that's no excuse, however I hoped I may get advice either confirming ordiscarding my previous advice.Subsequently, I received this email from the company:"Thank you for your email regarding outstanding payment on your policy. Please note that when a policyholder initiates cancellation of the policy at any point of time in a period of insurance, then the policyholder has to pay for the days he/she has been covered including the administration charges of £52.50 as applicable for cancellation. So I would like to inform you that you are required to pay the premium for the days you were covered on the policy from your last renewal date 14 November 2007 until 01 February 2008 including the administration charges of £52.50 as applicable for cancellation. However I would be unable to provide you the break up for the cost. You need to call our customer services" Basically am I legally obliged to pay this?