Hi everyone, I took out a car insurance policy with M&S 10:07 on the 16th Jan, with a breakdown recovery element. Unfortunately, the car I bought broken down an hour later and decided to hand it back to the owner. I phoned the RAC and thus used the breakdown element of the policy. I phoned up M&S that afternoon to cancel and I explained everything that happened and they said no problem, we'll refund everything. I thought, wow, great. Then I received the cancellation confirmation letter, which stated that as I cancelled it on the day I took it out, "there had been no cover." Funny, because the letter states the cancellation date as 24:00 16th January, which, by ISO time/date representation standards, is the END of the day of the 16th. I feel they are going to charge me full whack for the recovery. I am fully willing to pay a days worth of insurance plus an admin fee, as that is what I felt I was covered for. I do not accept their statement that I infact had *no* cover - that can't change after the fact. They were happy to say I was insured so I could drive the car away.. Now, do I contest the fact that I was covered? Am I right? Using the Certificate of Motor Insurance policy start date and cancellation letter policy end date, it clearly show I had a day's worth of cover. I feel if I ignore the confirmation letter, and they consequently decide to charge me for recovery, I will have silently accepted the statement that I was not covered. Any advice please? Thanks!