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Took out a car insurance policy last week with Performance Direct of Romford, Essex. Although it does not start until tomorrow (Friday 25th March) when I tried to cancel it, they informed me that I will have to pay a policy set up charge of £45. It does state this in their small print but I was not made aware over the phone when I took the policy out. I thought you have at least a 7 or 14 day cooling off period for over the phone sales. Can they legally still charge or is this just contractual bull.