I took van insurance out with Express on 13/12/2011. I paid £60.52 as an initial payment which was £36.75 for my 1st month cover and the rest was admin. I then paid £36.75 on 13/01/2012 by DD for my next month. I bought an MPV on Jan 28th 2012 and was told by Express that they do not cover cars so they could not swap from a van to a car. I asked them to cancel the insurance and they told me that I would have to put it in writing as I could not cancel over the phone. I did this and the policy was cancelled on 13/02/2012. That was the date for my next due payment so it worked out fine. I had a text message fromScotcall on 30/08/2012 asking me to contact them urgently. I did this and found they are a debt collecting agancy. They wanted over £90 on behalf of Express Insurance. I called them back, had a go and they said it would be put on hold until I had sorted it out with Express. I then had an email off them, a letter threatening that someone would be calling round to see me and another call on 3/09/2012. In my opinion, the fact that express could not insure my car was a collapse of contractual obligation. Also, as I had paid for Dec and Jan then I had paid for my insurance cover. I accept there may be a cancellation charge for 'admin' but not £90+. Looking through the paperwork, there is a credit agreement and a letter asking me to sign and return. This was never done so that is not really enforceable. Watch this space