My wife passed away recently and her car was insured in her name with me as named driver. I contacted the insurer, AA insurance, who told me they could transfer the policy over to me until renewal when I would have to apply for a new policy. They sent me a new Statement of Insurance and Certificate in the name of "Executors" my late wife, valid until January 29th 2018 at the same annual premium.

Two weeks later I received a letter from AA insurance saying that the insurer would only continue cover until 28th September 2017 after which the policy would be cancelled and a pro rata refund would be issued upon closure. I would be receiving new policy documents within 5 – 7 days. I queried this by email and they confirmed it was the underwriters' policy but that there would be no administration fees charged for cancellation under these circumstances.

I never received the new documents and returned the insurance certificate on 20th September having made alternative arrangements. I have now received a refund cheque for £45.39. An email questioning the refund amount went unanswered. The annual premium paid for the policy was £202.09 and was over four months from expiry. I therefore believe that I am paying a financial penalty for their underwriters’ decision to breach our contract.

I know it’s not a lot in monetary terms but it is a matter of principle and I would welcome advice on whether and how I should pursue the extra refund.