Got a quote for 1550 on my ek4 vti-s, insured it and am now about to go travelling, cancelled within the 14 day cooling off period, which I was told would cost me 22.50, I got over that, then they said they will not refund my full deposit of 265, and are giving me 120, saying this covers my 14 days of being insured costing around 10 pounds per day to be insured, can they do this?!?