I cancelled my policy giving written notice. I received a reply trying to encourage me to stay, but I responded by stating quite clearly that I wanted to terminate the policy before the automatic renewal. They replied to confirm that the policy was cancelled and that I would not be charged. Two months or so later I happened to notice on my credit card statement that they had debited the money out of my account. Without notice. Without my authorisation. Without having a policy. When I complained I received a very off hand reply stating it was an administrative error.