After 7 years without a claim I decided to shop around as my cat's insurance had gone up to over £500 per annum. I managed to get a good deal on line and called to cancel. I was then told that I could not overlap the policies by a day (I did not want my cat to be uninsured) and that IF I cancelled my cat would have to be uninsured for 14 days due to the 'cooling off' period. I am going to investigate this further. Really unhelpful and condescending staff. Dreadful.