As part of Irish Ferries regular T&Cs cancellation of a booking results in a forfeit of the breakdown cover premium purchased with the sailing. They have issued me with a credit for next year minus the breakdown cover. Based on this have I a case to argue with them regarding the insurance premium? They directed me to the Insurance Co who sent me back to IF as they had collected the premium and IF again refused the refund stating the 14 day cooling off period had elapsed!