Legal and General Car Insurance www.legalandgeneral.com

My understanding of the conversation I have just had with L&G.

I changed my car today. According to Legal & General, that put me in 'breach of contract'. The underwriter they had placed me with for my Mini Cooper, strangely wouldn't insure my 1200 3cyl VW Polo, so I would have to pay a cancellation charge, or give them a new 12 contract with one of THEIR other underwriters. With less than a month to run, I wanted to be free to test the market for a new policy at the end of the 12 months. But, as I have done on previous occasions with other companies, I couldn't just pay any difference and continue to the end of the policy term.

Is this an ethical way to conduct business after everything that has happened in recent years in the financial sector?

Was I being unfairly 'encouraged' to keep my business with them?

Fortunately I'm at maximum 'no claims' or it appears i'd have lost the last 11 months entitlement too if I declined the 'new' 12 month contract.