Unfair Cancellation T & C

After failing to secure comparable cover for my fiance's vehicle with PMD (the agent also confirming that he would be worse off), we have decided to move my two vehicles from PMD to my fiance's current insurer instead. <br> <br> I phoned today to ask that my cover for my vehicles be terminated effective 31 January 2016 as the new cover commences on 1 February 2016. I was told that because my debit order runs on the 28th of the month, I will be covered only until the 27th January 2016. <br> <br> PMD says that:<br> <br> 1. If I want to be covered from the 28th - 31st January 2016 I must pay the FULL month's premium for February 2016 even though I will be with another insurer????!!!!<br> 2. I offered to pay a pro-rated premium for the 4 days which they declined as they don't 'do' pro-rated premium payments.<br> <br> I am not a happy camper at all and have lodged a complaint with their supervisor, Theoline Swarts and await their feedback. <br> <br> After being a loyal client to this insurer for over 4 years I cannot believe that one can receive an answer that makes no sense like this. I have referred friends to PMD over the years and am disappointed with a 'term and condition' that makes no sense at all.