I cancelled a 12 month policy after 6 months as I had sold the car , I was paying monthly. They said I would have to pay a cancellation fee , which I thought was a bit much seeing as they had over £400 off me for basically doing nothing and it hadn't even cost them a stamp as my documents were online. So I told them to go whistle for their cancellation fee , and I havent heard nothing since. But if I had been the type of person to be bullied into paying them , they would have got money for doing nothing , just goes to show what they are like.