The message from "Andrew Mawson" contains these words:
That isn't the way big business works.
ISTR that their argument was that as they had issued me with a bit of paper saying I was covered they would have paid out had I had to have made a claim before they cancelled the insurance. I can't recall now whether they refunded the balance of the premium or not. I suspect they must have or I would have been a lot more stroppy.
Roger