In November 2025, I enrolled in a car insurance policy set to commence in December 2025 for £247. Shortly after, I needed to change my vehicle. However, when I tried to update the policy with my new car—similar to the original—the premium skyrocketed to £550. A 120% increase felt excessive, so I checked prices on a comparison site, where similar policies were listed between £310 and £350. I reviewed my contract and, according to guidance from a consumer advice organization, the 14-day cooling-off period should start from the later of two dates: the policy start date or when I received the documents. Since my policy began on December 10th, this should have marked the start of the cooling-off period. Unfortunately, the insurer disagreed and demanded a £60 cancellation fee. When I requested to speak to a manager, I was informed that all managers were occupied in a meeting for the next hour and that a callback would take 24–48 hours. Ultimately, I ended up paying the cancellation fee as I didn't have the time or resources to contest it further. I will not be using this service again.
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