I am wondering,
Are there any good insurance brokers or are they all opportunists?
i don't know if i'm allowed to name names here without being moderated but Adrian Flux have just diddled me out of a sum...

Took out insurance with highways through flux under the understanding that the pro-rata reimbursement for early cancellation would include a non-refundable 15% (Flux's admin fees).

Flux phoned me up the next day and said they would change the insurers but not to worry as the cover would be the same. {Apparently highways were chikening out of insuring a 24 year old on a sports car.} Flux changed me to a new insurer explaining to me that the contract was the same, but i have just found out that the new contract that was put in place includes a higher 20% non-refundable component (Flux's admin fees).
i now want to move house and cannot get my money back.

redcard

i said that it was ridiculous as i was not explicitly informed of the increase in their share of the fees, furthermore it means they have an unfair interest in changing your insurance provider. In my opinion it is totally immoral but they say i should have read the small print. (it happened over the phone)

would have been difficult not to agree to it on the side of the road when i was told i either change or have no insurance....

any suggestions as to what i should do?
(other than warn other morgan owners of Adrian Flux's behaviour)