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I hope this thread prompts readers to check the T&C before committing themselves.  Where insurers have a charge for cancellation (and most, if not all, do), they are legally required to provide this information in their T&C.  If this info is not provided up front, they will probably have covered themselves with a 14-day period that allows cancellation without charge, providing that a claim has not been made.

There can be several variations in T&C, but the insurers will always have ensured that their conditions are within the law - the only safeguard for anyone taking out insurance is to (a) ask all the necessary questions and, (b) to take the trouble to read the T&C.  Too many people simply do not bother to read the T&C, and this one failure leaves them helpless when an argument arises at a later date.

Bertie.

Message for Mischievous Curmudgeon

Mike

Thank you for your inputs along the way here, i am happy to advise that with some persuasion, IC are refunding their cancellation charge and the commision clawback. A small but valuable victory.

kind regards