Tried to cancel auto renewal day before expiry on car insurance online and could not, no renewal notice sent. Cancelled first thing on the day to be charged £38 for the benefit. Called my card provider and they are investigating. Today 3 weeks later I get a threatening letter with debt collection agency for the full annual amount £145 and the policy is already cancelled !!!! I would hate to deal with a real insurance claim from these people. Am taking legal advice. They are slightly cheaper than elsewhere but its is not worth the agro. They have not heard of a cooling off period.