L&G pet insurance

Please advise!
I'm young and stupid, and have no experience of buying insurance (or of financial matters generally).
I took out pet insurance with Legal and General several months ago, since the MSE weekly email mentioned that they were offering £45 Amazon credit. This (Amazon gift cards) arrived at the weekend, and I cancelled the direct debit from my bank account online (3 payments have been taken for the insurance policy, costing me just under £19 in total). Today I also called L&G to cancel. I was told that the policy defiunitely had been cancelled, but that there was a £30 "administration fee". Apparently this was stated in the Ts&Cs - but I'd not read these (because I'm daft/ have better things to do with my time and had no idea that such a thing was possible, having no experience of buying insurance).
What should I do?
Obviously I want to just ignore this ("admin fee") - but if I simply don't make the payment, do I risk being charged even more eventually. Will L&G take legal action against me?
Any help would be MASSIVELY appreciated!
Thankyou so much for reading

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