So I went with a company for my car insurance last January and I paid £110 as a "deposit". Thinking about that payment just now while going through the renewal quote, I rang them to ask what happens to it - does it come back to me after my policy lapses, after the first year etc. The girl on the phone tells me I "might" see some of it come back, if I were to cancel the policy. I told her I wasn't going to cancel, so she then tells me it takes care of of the setting-up fees. I asked her why it is then called a "deposit" if I was never going to see it again and she said she didn't know; she "didn't make the policies". Having gone through my documentation there's very little that explains it.
Can anyone with experience explain whether I can expect to see this money again or whether it's yet another word that means one thing to the public but re-jigged terminology to mean something else.