I took out motor breakdown cover with you and paid. Some time later I received an email from you informing me that the payment had failed. by the time I called back to pay again my cover had expired by two days. I was told that I would now not be covered until 48 hours later. When I questioned this I was told that it would take 48 hours to clear the transaction. How come? Normally money is cleared immediately unless there is a problem. I am not very happy about this, particularly if I have to pay for any break down within that 48 hr. period. Could you please explain?