<human>: Ok, so I'd just come back from travelling so I was low on cash, I got a cheap car and cheap car insurance. Naturally the insurance company wanted to see proof of my no claims bonus. So I got my previous company to send it directly. I moved address in the meantime and advised them via email (all our correspondence was via email). So they stop chasing me for the proof, so I assume it's all good. 

Fast forward a month and I go online to check something and notice my policy status is cancelled. I was like WTF. After contacting them it turns out they never got my NCD and mailed me (to my old address) to say it was cancelled, didn't even email me. So I'd been driving round with no insurance for like a month. 

My insurance was paid in full upfront so they said they'd give me a refund (minus their costs).  The premium was about £500 but I only got £100 refund! After questioning this, they had charged me something called a non-disclosure fee. I was livid. I asked them where in their terms of business it states this. They duly provided it. But the wording was not clear. It started "If, when we receive your proof of no claims there are discrepancies...." but they said they never received the proof?  They were all like "well it implies that" and I was like fuck that. Anyway, there were a lot of sternly worded emails and I started to suggest that I would take this further..... 

I got my refund yesterday... 

It pays to read the small print. Anybody else got any success/fail stories like this?

Can you summarize the given text in a few sentences?
<bot>: Scumbag insurance company tried to do me out of £400, but they gave up when I insinuated suing their asses.