Dan, I'll PM you the details but the fact is that I bought an agreed value policy and was given NO indication that the value we had agreed in previous years was not going to be continued - if you listen to the call I'm quite sure you will hear the figure requested and not a hint that the quote was subject to any kind of review.

If it was to be reviewed I should have been told and the renewal not implemented till we agreed a new value.

I renewed with you a week before my renewal date so you had plenty of time to do it in advance. If it came to it, the car is still SORN, in a secure garage and I would have been happy to let the policy lapse until you could offer me your quote for the service that I required.

Instead, I had to chase for confirmation that the agreed value was in place and maybe I'm just being cynical when I note that I wasn't told about the reduction till after the 14 day cooling-off had lapsed.

I'm certain that morally and I'm confident that legally, you can't start that cooling-off period and then, only after it has expired, introduce such a fundamental change. After all, if I buy any other product or service, the vendor is onbliged to provide all that is contracted for. Imagine I'd bought a 3-piece suite from you. You can't deliver the sofa now, delay the chairs till after the cooling-off period and then say I'm only getting one instead of two!

I am EXTRAORDINARILY unhappy with your company right now.