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Commercial vehicle direct rip-off

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Hi i have just phoned the above insurance company to cancel my policy which i took out on the 16/7/07, i took out instalments to pay this, deposit of£55.41 10x £15.71, today 24/8/07 they have told me i must pay £95 cancelation fee, the total premium cover was £192.67, now of the deposit of £55.41 + £95 cancelation fee is £149.41 what for 1 month of insurance cover, there cancelation condition charges are

1 month or part therof 25% of annual premium charged
2 months or part thereof 35% of annual premium charged

plus there fees total rip me thinks can they do this
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