I took a policy out with adrian flux a few months ago now with an inital cost of £1,600 which I was to pay on monthly payments with their finance company. When i first took the policy out with adrian flux they asked me if i had any no claims bonus which I informed them I did as i had 1 years no claims on a motorcycle license which I'd used before with another insurance company. After sending them evidence of my no claims they were quick enough to get back to me that they couldn't accept this and that if i didnt provide proof of no claims my policy would bounce upto £4,000 which is totally through the roof. I told them that Id asked if i could use my bikes no claims with them when i first took the policy out, they said they checked the phone records and had no recollection of this which is a total shambles. I told them to cancel the policy as I couldnt afford to pay this and i was emailed this letter from them: Further to the cancellation of your policy we can confirm there is now an outstanding balance on your account with ourselves of £815.19. For the sake of expediency if we do not hear from yourself within the next 7 days, we will assume that you wish us to automatically debit the card that you used to pay for your insurance originally. I just contacted them informing them that i dont even make this much money in 3 months and I have no way of paying this off in one payment, which i was then told that they would pass it on to their debt company who could allow me to pay it in smaller payments. Any help as this is ridiculous as I informed them i had no claims on a bike and they still allowed me to take the policy out.

Thanking You, I will get one of these filled in and printed off tomorrow and reply to this post with the results, Thanks For the quick reply.

I recently rung Co operative saying that I wished to cancel my policy half way through, I had paid the premium in full at the beginning of the policy for a sum of around 3,600 They said the policy would be passed to the finance department and they would let me know how much i would get and get the money refunded but i was looking at around 1,200. They then re contacted me saying that there was a 500.00 claim on the policy but couldn't tell me any information about it, I did have a small accident into a barrier which they contacted me about asking what happened etc, It wasn't my fault due to a spillage on the roundabout where the incident occurred on the premises of a company. They said they could now not give a refund due to this, They never corresponded after i replied to them. But when we first went to cancel the policy they said there was a claim from a few years ago which my mum hadn't stated as it's in her name and emailed me saying they would be cancelling the policy due to her not letting them know about this. I then received an email yesterday saying this: Please find below details of your final financial adjustment following the cancellation of your policy: Total refund £3669.73 Cancellation Fee* £0.00 Total Premium Paid £3669.73 Total Premium Refund/charge due: £0.00 They have confused me certainly here and i have moved house so i cannot ring them anymore and don't get no reply via email. Am i eligible for a refund or do they just get to keep the remainder of the premium, Or should they not just deduct the claim from the refund they should give me? Thanks