"I sold my car with 6 months of tax and insurance still to run. Prompt refund of 6 months' tax from DVLA. However, Lancaster said I was owed no refund. Complained and they refunded £26 as 'goodwill' gesture. The actual insurer AGEAS refused to refund their part of the premium. For some reason, 70% of premium goes on first 6 months. So, as conciliatory gesture, I asked for refund of the 30% balance and still they refused. So have referred matter to Ombudsman."