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@deleted
If you still have the papers with t&c of your insurance you need to scan through that if they mention this cancellation charge.
What I have noticed e.g. Swinton does is that they have 2 companies - one that insures you and one that lends you money and direct-debits you on monthly basis. It might be that the latter have some unrealistic t&c (which they do) and next time i will avoid them like a plague.
I would not pay anything unless you are sure you have agreed to that beforehand.