Thanks for your reply again. That's what I told them. They weren't interested. I will look into the fos.

Update: Deeside/Aim insurance eventually got back to me, and said they are taking £55 off the refund as a cancellation fee, leaving me with £17 Can they technically call it a cancellation if the insured term had already finished? Do you think this is fair?

Thanks for the reply uncle. They said they were going to pay, then delays, now they denied ever offering and are escalating to management I've tried the friendly approach, but I should of known better

Hi, My house insurance with Santander auto-renewed in September 2011. Being new to house owning, I didn't realise this could happen and took out a policy with Deeside/Aim for the same period. As it was paid by instalments, and a very busy year, I didn't notice I became aware of this when the renewal came around and contacted Santander. They said "we call this a dual insurance and will honour a 50% refund", They asked for Deeside's schedule and then refunded me 50%. I contacted Deeside, who asked for Santander's schedule and seemed to be going along with the situation. Since then they have been "palming me off". Are they obliged to give me a refund? Thanks for any help.