Up until a year ago I had an old Nissan terrano. When I sold the car I obviously cancelled my insurance and received the cancellation note stating as such. Last month I received a renewal notice for the insurance of the vehicle. It transpires that having thought I had cancelled the insurance policy a member of the insurance team had reactivated the policy and withdrawn £400 from my bank account without my knowledge. The insurers state that this was a clerical error. They have reimbursed me and offered the modest amount of £80 as compensation. I am somewhat appalled that the protocols and procedures of the insurance company allow for this to happen; especially that money can be withdrawn from my bank account. I appreciate that had I reviewed my bank account more diligently then I might have been aware of what was happening. What are my options?