You've put my mind at rest a bit. I was unsure if I had an obligation to tell then, think im going to take reallymadwoman's advice and just keep quite about it. Thanks for the replies

Hello, For the past 6ish years I've been experiencing what you could call mental health issues (depression/anxiety like symptoms) due to various past and present reasons and have never felt the need or brought my self to seek help. I have finally decided to and I am slightly concerned on what the implications could be, (part of the reason I have never sought help). Basically I know that it is in my best interest to inform my employer once I have seen someone, but do I have to? They have quite an 'old school' approach to everything so I worry that they could just see me as a liability. I haven't had any time off and will not in the future due to this, i'll still be fully capable to fulfil my capacity at work. Is there anything to stop them from doing this? Bearing in mind that I will not be signed off probation for another 2 months. Also I never disclosed any of this during my interview as in my honest opinion I didn't think I had any problems.

As far as im aware whatever is in your contract is binding, I suggest having a read of what working hours you have agreed to. As long as there are 11 hours between your shifts.

Just tell them that you have no insurable interest, the policy is no longer valid as you are unable to make a claim. How can they charge you for something you can never claim from? If that fails then as Unclebulgaria67 said, go down the FoS route.

Trouble is with motor insurance is they never make money on the first year, only the second and third. (advertising, admin, call centre costs etc etc) so they bump the price of renewals up, so that people just renew without thinking. But they keep new business low because of the highly competitive market. What they've done isnt illegal, morality is questionable, but not illegal. You let the policy renew by omission (not telling them to not renew it) and are now bound by their terms of cancellation. By the same fact of why you said to take them to court is why they wont discount it - if they discount your policy to their renewal price, why dont they do it for everyone? (Treating Customers Fairly - as the FCA love to say) From a personal point of view - I honestly wouldn't bother with a court case - Just do what i've done in the past and get your research in a month before your renewal!!

Its not a reliable way of making profit but pennies make pounds. Just think that your average insurance call center staff is on anywhere from £14,000 - £20,000. + overheads. Never said that I agreed with the charge, especially after having to pay in excess of £100 of them when I moved 3 times in a year!

Just a thought; If that truly was the case then surely he wouldn't have to disclose it? By my knowledge when they changed duty of disclosure, you only have to disclose what they ask. A company cant assume that you will know to tell them. If they said claims AND/OR incidents then yes you should have. Anyone? Your quote was based on a lower risk, with the correct car the risk is higher so naturally there would be an additional premium for what you would have paid originally had you entered the correct car. --- --- You would still keep your no claims discount as you have not claimed, however, quite a large number of insurers do rate on non-fault claims/incidents. Their thoughts behind it are, if you have 20 incidents for theft on your home insurance, you might not claim because the amount is low, but there is obviously a high risk of theft, when you have a large theft you will claim for it, so they charge you for the higher risk of theft. Not saying I agree but that's the reasoning behind it.

I used to work for a large insurance company, they accepted commercial NCD as long as it wasn't from a fleet policy. They did require a letter from the company, same proof as normal NCD.

Is this a £45 admin charge? Or is the new address a higher risk area and so you are paying an additional premium? I moved 3 times in one year so I can feel your pain, any such charge would be written in to your policy documents. Bare in mind, that they have to update various systems, send documents out. Also take in to account that the cost of the call center and the person you spoke to. Motor insurance doesn't make a huge amount of money at the moment so unfortunately they use admin fee's as well. In terms of a small claims court, I personally wouldn't bother.

I would advise against putting information such as your policy number / agreement number on a public forum.

True, ive never heard of one that has charged withing 14 days but I shouldn't assume none of them do as I haven't had quite that much experience in personal lines. Probably worth him reading his policy wordings, as any such charges would have to be written into there.

Not to discredit you or your answer but; For the first 14 days a refund must be made in full. After that you will receive a TOR charge + any cancellation fee written into your contract. As the renewal is entering you into a new 12 month contract they must still pay a refund if the insured changes their mind (providing that they have made no claims / none are pending) within the first 14 days. Source; I work in personal lines insurance

If the renewal was on the 23rd and you advised them you wanted to cancel on the 25th(?) then surely you were within your 14 day cooling off period? Correct me if im wrong? Call them up, tell them that you had stated your intention to cancel on xxxx.

I would say the same as above, unfortunately they do not actually need a reason to cancel the policy.

Average(under insurance) is used when the insured has undervalued an item they have insured. From what I remember the sum for working out how much they will pay is as below; Sum Insured --------------- Value of goods at time of loss x loss = Claim settlement So if someone had a loss of 800, they were covered up to 10,000 on their policy but in the loss adjusters opinion there is 12,000 average would be worked out as 10000/12000 x 800 = £667 to be paid Hope this helped. ---------------------------------------------------------------------------------------------------------------------------------------------------- Please note that this advice is given informally, without liability and without prejudiceicon. Always seek the advice of an insured qualified professional. All my legal and nonlegal knowledge comes from either here,my own personal research and experience and/or as the result of necessity as an Employer and Businessman. By using my advice in any form, you agreed to waive all rights to hold myself or any persons representing myself of any liability. " No one can make you feel inferior without your consent " - Eleanor Roosevelt