Insurance query - over refunded & now asking for 1/3 back

[Chocolate50]

So I took a policy out for my DD who was a learner driver - paid £335 for the full policy on 23rd January cancelled it on 7th February due to her passing her test.
To add confusion they refunded £403.66 accidentally.
I am saying to the insurers that as the policy was cancelled within the 14 day cool off period we are happy to pay the difference in the refund & policy amount - (£68.66) this would mean that they get the overpayment that they made to us back.

But the insurers are saying no, its £139 as we were 1 day outside of the cancellation period (they included the 23rd & the 7th in their calculation). However they refuse to put it in writing.
Does anyone know the correct position?

Depends does it say on their t&cs inclusive/exclusive of those days?

Personally, I would say from 23rd Jan-7th Feb is over 14 days.
Because you would still be covered on the 7th February unless you rang at 00.01 and they cancelled it immediately.

Did the insurance start immediately on the 23rd Jan? Or did it start from midnight on the 24th?

So the policy was valid from 5.25pm on 23rd January & cancelled 11.45am on 7th February.

Well that’s either 15 or 16 days so outside their policy either way

Then it was valid for 16 days.
23rd, 24th, 25th....6th, 7th

That's a shame - it's definitely over 14 days, in that case.

That’s 16 days so they are correct unfortunately

Its really unclear what you pay in the instance of being outside of the policy, its just 'an amount'. Like that.

Did you have any discretionary items, such as courtesy car, breakdown cover, etc.?

You are outside the 14 days because you had cover for some of the first day and some of the last day. Any extra items can be charged for the whole year and your policy should tell you that.