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I was sold a policy over the phone and was told that I had no excess on the policy. They then put me through to the terms and conditions, where they then said I did have an excess. When I requested a callback they refused to call me back. I requested a copy of the call to prove that they promised me no excess on the policy and they have failed to provide me with this call recording.

I have canceled the policy with the insurer directly as they refuse to call me back.