Hmmm, looking back at my post I may have not explained it in the best way. You are right Jalexa, my renewal comes up in a week and I have found that the same company is quoting £40 less for new policy, plus there is £85 cashback through Quidco. My main question was, can I call them one morning and tell them that I will not be going through with the renewal and then later that day apply for a new policy online?

Thanks again,

D