Missing conversation about the missing electrode tip

Warren’s vehicle started ‘running rough’. When Warren inspected the motor, he saw that the electrode tip from one of the spark plugs was missing. He made a claim to his insurance company. The insurance company dismantled the engine and found that the broken off electrode tip had caused damaged to Warren’s motor. The insurance claim was declined. Did the insurance policy cover the damage?

Why bother cancelling if there is no refund?

Bridget wanted to cancel her mechanical breakdown insurance and receive a refund of the unused premiums. The insurance company told her she could cancel her policy, however, the premiums were non-refundable. Bridget considered this to be unfair.