My bike was written off in a non fault accident. I bought a new bike, Carole Nash would not swap new for old on my existing policy, so told me over the phone the best way was to cancel the existing policy and then once the claim was formally closed I would be refunded the remaining 4 months of the policy. Email received to say claim closed, 2 weeks later I phoned Carole Nash to find out what was happening with my refund. I was told I would not be getting one, that they do not offer refunds when a policy is cancelled with a claim outstanding. There was no claim on the policy, it was all on the 3rd party's insurance. I cancelled the policy as Carole Nash's instruction and they refused to pay out the remaining balance. A formal complaint was lodged with no response. Under no circumstances use Carole Nash for insurance, they are an utter disgrace.