Thanks CGN...I suspected as much.
On a Spanish forum there were several mutterings from car insurance policy holders who had cancelled their insurance mid term and returned to the U.K. and had received little, if anything, back from the insurer.
They were advised ( by others on the forum) that in future to pay by instalments and simply cancel the DD and walk away. I suspected it wasn’t that simple !
I need to find an insurer where I can add a second car and use my long No claims discount on both vehicles...without paying an extortionate amount up front to Admiral.
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Car insurance installments 
Car insurance installments 