Until recently I was the proud owner of a high value factory built trike, a 2018 Rewaco. Sadly, my trike suffered a major fire while riding on the motorway. I got it onto the hard shoulder without injury, but by the time the fire brigade arrived, it was a complete write-off.

The insurers have settled the claim, and by putting some extra money towards it, I have arranged to buy another trike, but one year newer.

I notified the insurers of the new vehicle, expecting to pay a small charge for amending the policy.

But to my disgust, they have said they are no longer prepared to insure me, and they have terminated the policy. What’s more, they say they will not be refunding the two remaining months of the policy (I had paid for the full year up front).

I think the insurers are acting very unreasonably - do I have any grounds for complaint?