Not going into the "rights and wrongs" but......just looked at my bank statement and saw they had taken out a direct debit. I am a member for insurance purpose, but put their letters in the bin!! To my horror, when I rang, the ( I must say, very nice and polite) person at the end of the line, said they had wriiten twice to say they were going to take a "one off" donation!!! Apparently I should have got in touch to "opt" out. Anyone else had this nice surprise. Am now definately going to change insurers....taking the p*ss I would say!!!