Prior to cancellation of my commercial (pick up) policy, I lived with the £37.50 amendment fees, for address changes etc. Then I sold the vehicle hoping to transfer the balance onto an ordinary car, and apart from non competitive quotes, they initiated a £45 cancellation fee & reiterated it can take up to 60 days for a refund. In this day & age of electronic payments/data base, etc, it's a poor excuse to hold onto your money for so long. So be careful, VERY careful, when dealing with these broker types as you might think you got a competitive price but just wait until you either amend or, in my case, cancel your policy!