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Swiftcover Cancellation / Refund Policy????

I am considering canceling my insurance as I would like to change to a vehicle they wont cover me for.

I took the insurance out on 17/10/08 and paid £225.24

On the 23/11/09 I paid an additional premium of £86.89 as I changed vehicle.

I understand that if I cancel my policy now (which is less than 210 days) I will get 20% of initial premium back.

But what about the £86.89??

If i changed the vehicle to my sister's clio I will get a £55 refund. Should I just do that and then cancel???
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