I received a letter from Swinton asking me to contact them immediately 07/12/24. I called Swinton customer services and was told by the customer service gentleman that a I had to pay additional £195 for a claim in January 2020. At first I had no recognition of this incident, then remembered that I had in formed my insurance company at the time of a minor incident which came to nothing. As I care for my 84 year old mother daily I cannot be without insurance so I paid the £195. I then explained to the customer service gentleman that I had been advised to contact my insurance company at the time of the incident January 2020. This incident from January 2020 came to nothing; neither I or the other driver wanted to pursue the incident. Should this have only been kept as notification only? Call made 07/12/24 And the gentleman found something funny as he kept laughing throughout our conversation.