Hastings WILL think up numbers out of thin air and make you pay it!! I have been with Hastings for 2 years and my car insurance for this year went up by £200. When I challenged them they couldn't give me a direct answer and just got annoyed. Customer service is terrible - everyone I spoke to didn't seem phased I was leaving them at all. First person I talked to said there would be no cancellation fee. Second person said there would be a small cancellation fee. Then they charge me an additional £100+ AS WELL AS as the cancellation fee (said it was 'cover charge' and interest, in addition to the first monthly charge I had paid). I spoke to 5 different people who all told me different things. Anyway, they spoke to their management and gave me some money off as a "good will" then sheepishly ended the call with "that first month's interest did seem like a lot"... Good luck cancelling folks :)