I inadvertently insured my previous car by mistake. It had been part exchanged for a newer car and insurance taken out with a new insurer. After 8 months I realized. Was told by customer service that if I obtained a confirmation letter from DVLA, I could apply for a refund. I was charged £50 cancellation and £10 as I cancelled the direct debit payments. I have paid £140 to them for insurance on a car I didn't have. My mistake, I know, but they are so limited in their understanding. I have now been contacted by Credit Control (Lydia) asking for £20 which is the final month's outstanding payment which I am not paying. I have never made a claim in all the time I have insured with them. RAC could not offer me a competitive changeover to my new car and charged a horrendous admin fee hence I took out a new insurance. My mistake cost me £150 and they are now asking for a further £20. DO NOT USE THEM. Customer service is rubbish - you have to hang on for 15 or 20 minutes at least and then you can't hear them. 😠 😱