Originally Posted by thomas
Most marine insurers are pretty good at paying out, I use Noble Marime, have used Towergate in the past but if you need to cancel a policy early they won't refund you which is bordering on dishonest.
If you have had a claim they don't have to refund you.
If you pay by DD and haven't had a claim, just stop your DD, albeit there maybe a cancellation fee to pay.
If you have over paid on a DD, go to Direct Debit and make a claim under the DD guarantee for a refund.
If there has been no claim, and the premium was paid for 12 months in advance and they won't refund the part due less a reasonable admin fee, tell them you are off to the FSA, as they can't do that.