Thanks for reply. Looks like i,m stuck with it. The other policy does not comare,overall, with Swinton,s but money is tight. Thought i was stuck but just wondered. They are calling back Monday so i will see if they can save me a few extra £££s. Once again thanks for reply.

Hello can anyone advise me please. I recently took out an insurance for my wifes car at Swintons costing£235.10 payable by 10 installments. On checking around i found i could more than half this with another company so 7 days later i tried to cancel with Swintons. They informed my with there canncelation fees and 7 days i was insured the cost would me £181.00. This seams extortionate. Reading there key facts which came with the insurance i should have 14 days cooling off period as there is is a credit agreement involved,but they say cancellation fees are still payable.The only other charge i can see on there key facts is an administration fee of £35.00 which i would still assume only comes into effect after the 14 days.I have argued this point over the phone to Swintons and they say they will have to get a more senior member of staff to call me back. Does this appear correct that they are trying to charge me £181.00 to cancell an insurance that is only 7 days in,and first payment other than deposit has not been taken from my account? Any feedback would be helpful,thanks.