Bought and paid for van insurance online, via CompareTheMarket. Did not receive any acknowledgement for two days, so I emailed them and asked them to call me back, which they duly did. There then followed a lengthy conversation wherein the lady on the phone went over every question included in the proposal, and at the end announced that in some way the vehicle I specified in the application was different from the one that the quote from CompareTheMarket was based on (it's not different at all, it's the exact same model) and consequently I would have to cough up an extra one hundred and ninety quid. As you can imagine, I was not impressed and asked them to forget the whole thing and refund what I'd already paid. She agreed, and then said that there would be a £25 cancellation fee. "But cover hasn't started yet," I said, but she was adamant that it was in the T&Cs and not negotiable. I was sick of arguing by that point and agreed, but £25 to cancel a policy that hasn't yet started sounds suspect to me...