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Hi there, I have a quick question regarding buying insurance online. I took a policy out a few days prior to my existing cover ending with oncecall insurance. I was a bit panicky at the time and took the cover out, paid deposit of about £25 and that was that. I then decided to do what I should have done and read some reviews on the company. Oh dear I couldn't have picked a worse company if I tried. So I emailed them to cancel the polcy, and from there this is how things went over the last few days... Took the policy out, wasnt impressed with the documents (electronic format of the actual car insurance document was illegible, terms were dodgy) Phoned to cancel it a few days ago within the 14 day cooling off period. Email a few days later from them confirming cancellation. I queired the deposit refund then got another email 2 days later saying I had to call them to discuss the refund. Phoned them just now 3 times (first was wrong department, second cut me off) telling me they didn't need to refund it as the distance selling regs are there for consumers and insurers. they also said that their terms wouldn't normally alllow for the refund (even though cover hadn't even started). So I mentioned mentioned Trading Standards and the DSR. They then put me on hold and as a gesture of good will would refund me. SHAMBLES! Anyway, my question would be do they have to issue me the refund without asking me why I cancelled in the first place? Cheers, Paul.