I decided to cancel my motorcycle insurance policy within the 14 days cooling off period as I found that the premium charged put the the policy in about 22nd place using a comparison website. Like many of us, I hadn't taken sufficient notice when teh automatics renewal notice came through. Once bitten.... Anyway, Onecall charged an admin fee of 39GBP and the relevant underwriter charged about 42GBP as their pro rata cost for 6 days cover. Whilst I think the Onecall admin charge is high...it is what it is...and is something I'll take note of when reinsuring...its pales into insignificance when compared to the underwriter "prorata" charge for 6 days supply of services. I cancelled on day 6 of the 14 days. The Financial Ombudsman† says that: “Giving consumers the right to cancel - and then penalising them excessively for exercising that right - is likely to be unenforceable in law, as well as unfair and unreasonable. “In cases referred to us, if a customer has cancelled a policy and received a significantly smaller refund of premiums than could be expected as a pro-rata settlement, we will ask the firm to explain how its approach complies with the requirements under the regulations." So I will be contacting the Financial Ombudsman about both Onecall and the underwriter. The live chat representative from Onecall was very good, helpful and did his best to get me all the info I requested. Policy obviously is out of his hands. His service is what gave Onecall 2 stars not 1