I received an excellent building and contents quote and accepted the policy on Saturday 24th Oct 20. I made an error on my application as regards previous claims which I understood and was not intentional. I agreed to pay the small increase and small quotation increase. My problem was that I phoned my current insurance company to cancel the renewal in mid November. Low and behold they improved their offer to less than Intelligent. So I accepted the offer to renew. I then contacted intelligent to cancel and that was Ok until they said I have to pay £50 admin fee. The policy hasn’t started and was only approved 5 days ago. I was told this information is on their website! Apparently the minute you accept the offer you have no cooling off period. How on earth can I be aware of charge they don’t tell you about before you accept the policy. The agent at intelligent said as its on the website I have accepted it ‘NO’ i haven’t the website is informative but does not form any point of my contract with them. It’s also worth pointing out that I applied for a quote through a comparison site so never reviewed their website. I am being asked to pay a ‘fine’ for something I wasn’t aware of till after I received the contract/policy. Websites do not form part of a contract. They are referring me to their finance department to invoice me, best of luck with that! I am glad I didn’t take the policy with them if this is how they operate with hidden clauses.