Thanks for the advice as usual
Phoned up and asked to speak to a manager and make a complaint, explained situation so he spoke to cancelations and renewals team.
Result is as long as I signed onto a new policy they waived the cancelation fee (£55) and dropped the outstanding payment of £35 (so I got 3 weeks free insurance) AND a £16 refund, then put on a new identical policy except the premium has dropped so I'm now paying £11 a month for 11months instead of £35 per for 6 0_o.
RESULT!
Thanks guys and thanks Hastings =p