I have also just fallen foul of the admin fee to stop my policy automatically renewing as I have managed to get breakdown cover for free with my new car insurance policy. Nova have refused to waive this and directed me to T&Cs that I did not actually receive. They are dreadful. I have had to resort to cancelling all transactions with my bank to stop them taking any more money from me. I’d suggest everyone else on here does the same or ask for your bank to refund you if they’ve already taken it. Nova are absolutely shambolic in the way they conduct their business and I am thankful that I never actually needed them for a breakdown recovery. Avoid at all costs. They’re cheap for a reason. Much better paying a bit more and going with one if the big names like RAC or Green Flag.