Chatted with Ethan about the difficulty I had trying to make a payment in respect of my change of address and it ended with no resolution on how to pay and being told my policy would cancel in 7 days. Having thought about what to do and having been told that there would be no refund of premium if I cancelled even though there are 4 months to run on my car insurance policy U chatted with Amber who was able to send me a payment link that worked first time. I have no idea why Ethan didn't offer this and now, having thought over my discussion with him, I find it very difficult to even consider taking out more insurance with your company. Whilst Amber was brilliant, my chat with Ethan has really soured my view of One Call. In terms of your question re refunds, none was offered even though my policy has 4 months to run. This is now a mute point because I've paid the additional charge so it will run through to its renewal date when I fully intend to look for an alternative car insurer.