I've just realised that I've been paying 2 income protection plans , for about 7 years. The second plan I took out was on a group scheme recommended and organised by a broker. As the first plan was with the same company , I assumed that the second replaced the first. I have been paying a direct debit of 70 euro monthly for 7 years that should have been cancelled. I was unaware that the new scheme was being taken direct from my salary. I feel so stupid not to have realised this and am not sure if I could claim any refund?