After receiving a rather extortionate renewal quote from Admiral i decided to cancel my policy, I have now had a letter asking for the sum of 1 month cover.

I rang customer services and i have apparently only paid 11 of the 12 months due, as you can imagine with Christmas etc when i checked my balance a few days after new years eve i took that as being how much i had left until pay day and happily spent it.

They have told me they didn't take the final payment (due 31st Dec '11) as they had suspended my account & payments on the day i said i wasn't renewing and now (nearly a month later) are asking for the money.

I have told them i want a full breakdown of all payments made and the dates for which that payment covered.

Do i have to pay as it was them who suspended the payments & have only just been in contact with me about it? I always believed that if it wasn't within 10 days of them not taking the payment that its their fault.

Many thanks, i know it seems a bit of a haphazard way of explaining it but my mind is still reeling, from the thought of paying 2 premiums out of 1 wage so i do apologize.

Chris