I was not satisfied with this insurer and I cancelled my policy in writing with all the required information. Despite of the note in my policy package that reads :"You must make your request for policy cancellation in writing by mail,fax or e-mail. Your request for policy cancelation must include your name and other policy information to identify the policy. Cancellation will take place upon receipt of this notice. You shall be entitled to a refund of excess of the premium actually paid over the short term rate for the expired time." My month starts on the 12th and the money is withdraws from my account that day. I cancelled my policy on the 15 and... there will be NO REFUND????????????????