Thanks, the thing is though my policy was only for 1 year, so I assumed it ended after the year. Now I can understand that, they in continuing the policy would expect payment for that time but surely this should be pro rata 52/3 of the cost if it overrun by 3 weeks or whatever. My thinking was that as I never renewed then why should I pay extra to cancel. If what you say is right I'll pay I just want to know that in my case it applies. If you think it does then I'll accept your word. Thanks

No it's not dual insurance. I didn't insure it. I never use it so it's been garaged since. I use the wife's as I'm on her insurance. All I want to know is am I owe them this money? As I sadi fair enough I cancelled late and I owe them for this but are within their rights to add on extras?

Hi, sorry about that. Being new, I wasn't sure where to put it, so stupidly put it in 2 places (both wrong it seems). Thanks ;-)

Hi, I am being chased for a small debt from Elephant car insurance. The story. I had my car insurance with them for one year paid in advance. At the end of the year they sent a renewal which they could not charge for as my card details had changed. I was looking around for a better deal. A couple of weeks after the end of the year during which I didnt use the car, I phoned them stating I had been offered a better deal could they match it. They couldn't so I said, well I'm not renewing. They said they would be charging me for covering me for the time from when it ended till I cancelled. I wasn't happy with this but if thats the rules I was willing to pay. However they are charging me an administrive fee of £45 on top for cancelling, which I don't want to pay. As I feel I shouldn't have to pay a fee to cancel a policy I only had for a year. I am now getting texts and phone calls and letters from a debt collection agency. The debt was £65 and they now want £85 with threats it will go up. The money is not a problem to me. I can afford it, but I feel I am being bullied and I don't like it. What I'd like to know is where do I stand legally? Can they just charge what they like? Should I just pay to get them to go away? If I don't pay, how much could it end up costing me? Thanks