Cancel the card.
This.
Which reminds me of fucking Admiral a few years back. They sent me a quote, I forget how much hiher than the previous year, but it was significant. My card had already been cancelled, so left it at that. Sorted out new insurance, paid for it, everything good.
The new insurers asked for proof of NCD, so I phoned Admiral for it. They said, we can't send you proof of no claims because you owe us £X for your overdue insurance. I said, do I fuck (although not in those words) my insurance ran out X number of days ago. They then explained that as I hadn't given them 30 days notice, it renews automatically and I now owe them.
I said, so if I crash, I can claim even though I haven't paid my premium? No they reply... So what they were saying was I owe them for insurance I'm not covered by until I pay them? Well, obviously fucktards... But seeing as I didn't want or need their poxy fucking cover, we're all square, so why do I need to pay?!
Anyway, after some pathetic wrangling, they said they'd give me proof of NCD if I paid for the period I have been "insured" by them on a pro-rata basis - the cheek of it! Anyway, I was too irate to listen to the dickheads anymore, I phoned my new insurers and explained the problem. They said, leave it to us and they duly sorted it. Fucking cunts.