I am having similar problem with ecarinsurance,but I cancelled on the same day as I took out the police ,which does not come into force until 08/08/2011.This again is a totally internet company which states all sorts of things you can and cannot do in their T&C,s,but when you try to do one of the things to your benefit you are automatically blocked. For instance,I followed their procedure to Cancel the Policy only to be informed that my NCD had not been verified.Why do they need to verify something that is not affecting the outcome as the policy has not even started.I have read on other forums that they do this to let 14 day cooling off period lapse,so they then can impose their default penalties on you i.e.£75 admin fee for none proof of NCD and no refund will be given.I have been in touch with the Ombudsman and given them as much detail as I can about their business techniques and ploys and have been told they will contact this company about my refund.I would suggest that you contact the Ombudsman with details about your case...