Just to give a little more information - I am 23 and live in south Manchester, do we all live in Manchester or is it being under 25 that is the common trend here? (or both?)

I have no more to update on the actual issue, but have not received anything in writing from Hastings yet. I do not plan on taking any action until I have received a clearly worded letter from them detailing exactly what the problem is with my policy and how they propose to rectify it. I am very worried I am going to have to end up forking out an extra couple of hundred £ for my insurance.

 Will keep you posted!