Hi guys, Wondered if anyone here could give me advice on where I stand? I bought a phone from Phones4U about 5 years ago and got it insured with PolicyAdmin/PremierPlan. About 3 years ago I upgraded to a Nokia n95 on o2 and wanted the insurance policy to continue on my new phone. Anyway, I just noticed now that the payments have been coming out twice every month. I've just spoken to the insurance company and they said it was for two policies and I had not cancelled the previous one and signed up for another. I told them I don't recall signing another contract and was told at the time that this would be a continuation of my old policy, and asked for a copy of the contract. They came back to me and said they do not have a copy of the contract (or direct debit mandate) as the account is too old, and offered me 3 months (£23.97) back. I tried to argue my case further saying I should surely be entitled to the full term back as they have no proof of me signing for another policy - but they are saying because I have made a claim on this policy it proves that I had set up another policy with them. Either way I've paid out over £250 over the last 3 years for a phone that I haven't even had, and have spoken to them before when I wanted to reduce what I was paying because I couldn't afford it, and they didn't tell me about the other policy. I hope someone can offer some advice because I don't think I should have to settle for measly 3 months refund. Thanks! Alex