Hello fellow proletariat, With my car insurance almost up for renewal (14th) i decided to use a comparison site and switch if i could find one cheaper which i did (substantially cheaper). I called admiral today to let them know of my intention to switch providers, the lady on the other end offered to run a quote to see if she could get near the other providers price, i allowed her the curtsey of doing so as she was polite. She asked me a bunch of usual question to run the quote, one being do you have any fixed penalties to which i answered "only the one you know about" she said "we aren't aware on any" i am sure i alerted (called) them to the fix penalty shortly after it occurred (01.02.2011) as i know my insurance would have been void if i hadn't done, but i have nothing in writing! The upshot is they (Admiral) want around £350 for a premium that will expire in 11 days. The £350 is the difference in what I've paid since 01.02.2011 compared to what the premium would have been if they had been alerted to the penalty. Now finally my question, where do i stand legally? Do you think they have standing? Your thoughts would be welcomed. Nick