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Mmmm ... OH recently had to deal with Aviva for something else; if they weren't already, they're becoming increasingly-like the worst parts of Norwich Union they renamed themselves to hide from the bad NU publicity.
As your new policy is with NU ... sorry, Aviva ... while I doubt anyone can be arsed to join the dots, worth contacting them to point out both old and new policies are theirs so would they like to consider waiving (or at least reducing) the high cancellation fee on the old policy?
If they won't, being retired, I'd spend a bit of time dropping 'em in it with the Financial Ombudsman.
Hth.
Regards,
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