"Dreadful service and ridiculous charges. Totally incompetent staff. To those who have cancelled and received no return premium, contact the actual insurers [Lancaster are only the brokers] and ask how much the refund due is. Then press Lancaster for settlement as they will have been credited with the return premium by the insurers. If they don't repay you, I would regard that as theft. Report to the Insurance Ombudsman AND ESPECIALLY to the Financial Conduct Authority who regulate Lancaster quoting their authorisation number which is on their site."