We were abroad for a number of weeks and did not realise that one of the cars we own needed to be reinsured. When we returned home and read the letter informing us that our car needed to be reinsured we contacted RIAS to renew the insurance. The person my husband spoke to said that as we were late in reinsuring she would have to speak to her manager to see whether they would consider insuring our car. The person who was speaking to my husband said that RIAS would reinsire our car but that we would have to pay a penalty of £20.00 for late renewal. We have insured two cars and a house with RIIAS for a good number of years and have never made a claim. I am not happy with a £20.00 penalty and shall talk to our MP John Whittimdale about this practice. Susan D Clough