Hi
Please let us know how Little Leo goes, wishing him all the best and keeping everything crossed.
If your insurance gives you problems I really would check the small print and whether any money has been paid to them. If they've been taking the payment DD anyway they haven't got a leg to stand on really. I have had a similar problem, although with a different type of insurance product as I used to have to sell it for my job and therefore needed a City and Guilds qualification in insurance sales. It is always best to read the smallprint very carefully and, even if it is in the policy wording that it needed to be returned, if they have been taking the money anyway this could be deemed an unfair contract.
Good Luck and PM me if you need any specifics about the policy and who to approach for help.