I am really unhappy with Xcover Insurance and Ebay.  Transit insurance with Xcover was offered as an option when I checked out to buy an Ebay item.  I thought it was a one off insurance payment to cover the item for damage during transit.  I did in no way realise I was signing up to an ongoing policy!!!  My ebay item was cancelled the very next day by the seller and therefore never being sent to me. I received a refund for the cancelled item but NOT the insurance amount!  This is so wrong!!!!  Xcover says I have to accept their policy... which there is no way I want to do... and then log into my "account" with them to cancel the policy!  I hope I never get caught with this rubbish ever again!!!  Just want to warn others!  Sellers who are using Xcover should make it very clear that you are not paying them but another seller (Xcover) on ebay!!!  I didn't realise this until I asked why I haven't been refunded for the insurance amount when my order got cancelled!  I am hoping I will be refunded this amount or I shall be making a complaint!