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Thieving bastards, don't pay it Jon. Is there an insurance Ombudsman? Does the company have a formal complaints procedure in place?

With financial firms it always pays to go down the right route to try to resolve the problem while at the same time leaving them in no doubt that you view their stance as little short of theft. Stop phoning them, tell them you want everything in writing, that way you'll have evidence and you'll give yourself more time to formulate a response rather than reacting emotionally. At the end of the day though mate DO NOT PAY. It cannot be legal to charge you for not buying something in what is a free and open market.

Jerry
 
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