right, tell them you want the lower price or your jumping ship with out paying a cancelation fee, they will more than likely tell you you need to pay a percentage of the cost of what is remaining ion your policy, this is when you tell them to do one and offer them something in the regoin of £40 which is classed as a fair charge for cancellation. if they insist on bending you over tell them where to go and tell them you are taking it to the financial ombudsmen service 9 times out of 10 they will wave any fees or silly cancelation costs due to the pain in the arse the financial ombudsmen service can be give it a go