"CITYMAIN ADMINISTR" bank account charge

To be honest, it was so clear on the phone that the girl I spoke to does nothing but cancel these things, you would probably be OK to leave it for now. I refused it on the phone too, I always refuse extra insurance and go with a manufacturer warranty instead.

That said, I wouldn't think the policy is worth the paper it's written on so, in your position, I'd just cancel it and double check there are no new direct debits on your bank account, both now and when the payment would be due.

Frustrating isn't it? Some years ago, Zurich failed to cancel my policy when I called them and when I wrote to them and, when I realised (5 years later) that they hadn't, I called them to ask why - they had taken a significant sum every month for the duration - they said they never received my letter and, although I proved I had other insurance for the whole duration and they had a record of me calling to say I wanted to cancel, they refused to return any of the money to me and I never got it back. I am still pretty bitter about it, as you can imagine, it amounted to about £2,000 as I recall.

If I could, I'd get it back but no idea how.

On a more positive note, we have not had a payment taken from the above this month since we cancelled last and neither have we had a letter saying the direct debit failed (I deleted it when we cancelled) so I think they do at least cancel when you tell them to.

Do you think that means they won't charge you for a failed direct debit and will cancel your cover automatically, or that they will not cover you if you don't pay and it is there to cover themselves in the event that someone that did want the policy failed to pay one month then tried to make a claim?

Not that I am a sceptic or anything, honest - I just think it's ambiguous!
:rotfl:

To be honest, I didn't bother with the £5.99 one because it wasn't worth my time but I had no success with the other at all, they just told me it was my fault and if I couldn't prove I sent the letter, which I can't because it didn't go recorded delivery, it was tough.

Nice company, Zurich.