My wife had a policy with Lloyds bank car insurance. She wanted to change her car. I went online as this is normally cheaper but their website was off line for maintenance. When I encountered this previously with Aegeas they waived the £25 administration fee, but Lloyds were unwilling to do this. Furthermore they wanted to charge an additional £55 to cancel the policy. A total of £80 to cancel a policy costing £230 so over 30%. I considered this to be outrageous and wonder how they are allowed get away with it. I will not use them again and urge others to do likewise.