Refund not granted

I have currently today 20/07/2015 cancelled my insurance quote as I have received a better offer. I only started the insurance on the 18/07/2015 - my debit order already came off today the 20/07/2015 for the remainder of the month. I called as per my voicemail message to cancel and I have been informed that I will not be receiving a refund as per the terms and conditions. well I never signed the terms and conditions not was I told them over the telephone or made aware of them. the only thing I saw was the quote not even the policy itself. you quick to take the money but not quick to refund it. this is against the consumer protection act as far as im concerned. I may give notice at any given time if I do not wish to belong to a certain insurance company. I trust my money will be refunded to me for the days which I haven't been covered.