My sons car packed up yesterday ,the engine blew up,the costs of repairing it was more than the car was worth,so he scraped it today.

On trying to cancel his insurance today he was told that he would have to pay £95 to cover adminstration fees to end the policy early.

Rip off or what,i asked what these costs covered, but they would not give me a break down of their costs involved.

They said that this charge is payable for all people who have been insured with them for less than 12 months,however if i stayed with them for more than 12 months this cost would not be payable!

Last year i change my car and on shopping around for a cheaper quote i ended up cancelling my insurance policy with a different company,i was only charged £4 to cover costs.

Should my son pay these rip off fees of £95 or should he fight them all the way?
there is no mention of £95 anywhere in the small print for an early cancellation fee.