When I came back from Cuba last month I came back to a letter saying my insurance had been cancelled very confused I called them.

They claimed that the direct debit hadn't been paid ( later found to be a banking error ) and that they tried to contact me from the 3rd ( I went away on the 9th for two weeks ) I said that they hadn't as I obviously wouldn't leave the car not insured especially while out of the country, cut a long story short they wouldn't reinstate the policy but instead could offer me a new policy which was..... £63 cheaper a month.

I casually said to the lady on the phone, you can see it's a genuine reason that you haven't been able to get hold of me and the missed payment but 1, you still are going to cancel the policy and 2, you are going to offer me the same thing but £63 cheaper a month, I've never been able to work car insurance out but this one was a peach.

Yes I know some of you don't even pay £63 a month never mind have it that cheaper a month