I discovered after just three weeks from buying my nearly-new car that it already had breakdown cover included so I wanted to switch to a policy without it to save cash and they couldn't/wouldn't offer me one. I asked about cancellation so I could go elsewhere and while the £50 cancellation charge was fair enough, they said that my NCD protection and other items in my policy were non-refundable so they wanted a whopping £168 in total out of my original annual policy payment of £569 for a policy that was just three weeks old. Clearly, I'm not impressed that an insurance broker would bury such non-refundable items in the small print in 2019 - this is the sort of pallava we all went through with brokers 20 years ago looking to gouge every last pound out of you. Obviously I'm trapped with these guys for 11 months now so I'm really quite annoyed at this - they're gouging me for so much money for simply wanting to switch policies that it's not financially viable for me to cancel and go elsewhere where I can get a quote for £150 cheaper without breakdown cover from a variety of other brokers. My mistake initially of course but hidden small print clauses are from yesteryear everywhere else I've ever used so I dread to think what happens over the next 12 months if I ever need to use the policy cover in the event of an accident or anything else - who knows what other costly small print items have been tucked away in my policy? They're not worth the worry IMO - look elsewhere for a car insurance broker that plays it straight and upfront.