Trending “They’re locked into annual car insurance contracts because there aren't viable alternatives and are then penalised if their circumstances change and they end a policy early." Cuvva has urged road users to ask an insurer to list all the additional costs associated with a policy before they sign up. It warns a policy may look like a good deal but added fees can add up to be a lot more expensive than first imagined. It urged road users to consider more flexible car insurance policies which do not charge fixed cancellation fees. READ MORE A flexible policy means drivers are not tied down to a fixed contract and can leave at shorter notice.