ashley, reading this i had the same thing with tesco insurance 2 years back. They refunded me the entire deposit in one lump within 1 week of cancellation (that they cancelled). so my advise is if the insurance company named won't give you your money back i would go to a no win no fee solicitor (no win no fee for the reason they win alot of their cases). To be honest you have paid the insurance company named to provide you with insurance cover... they can no longer provide this service... so simple give you (the customer) your money back. your completly in the right here ! now go get your money back !