Are you paying monthly? because Adrian flux are famous for this, they don't have their own credit facilities so they get another lender to underwrite their policies in full, so in essence you enter a loan agreement with a third party. they'll make you payback the loan in full as they purchased an entire years insurance on your behalf, minus any refund due, sounds ridiculous I know... Best way around it is phone them and ask for a written breakdown of all the fees, you're entitled to this so they have No choice, they will then more than likely offer you a reduced payment but persist in asking for the breakdown and eventually they'll waiver most if not all of it, Hope this helps 👍