Cowdrey's father, Ernest Arthur Cowdrey, played for the Surrey County Cricket Club Second XI and Berkshire County Cricket Club in the Minor Counties, but lacked the talent to enter first-class cricket and his father made him join a bank. Ernest Cowdrey had been born in Calcutta, moved to India to run a tea plantation and played the 1926-27 MCC touring team for the Madras Europeans XI and top scored with 48. His mother, Molly Cowdrey (nee Taylor), played tennis and hockey. Michael Colin Cowdrey was born on his father's tea plantation at Ootacamund, Madras Presidency, although his birthplace was usually misrecorded as Bangalore 100 miles to the north.

Cowdrey was asked to play for Kent Young Amateurs in 1948 and made 157 against Sussex Young Amateurs, 87 against Middlesex Young Amateurs and 79 against Surrey Young Amateurs. He was asked to join the Kent Second XI in 1949 and played Norfolk, Wiltshire and Devon. In 1949-1950 Cowdrey was made the school cricket captain and in 1950 made 126 not out for Public Schools against the Combined Services at Lords. This was followed by being called up for Kent County Cricket Club while still only 17 and he made 15 and 26 on his first-class debut against Derbyshire.  Cowdrey made his first first-class century in 1951, 143 for the Free Foresters vs Oxford University, soon followed by 106 for the Gentlemen vs Players at Scarborough, captained by Len Hutton with Alec Bedser leading the bowling. After the match the Yorkshire captain Brian Sellers told him "If you are not playing for England and on that boat to Australia there'll only be one person to blame". He made 1,189 runs (33.02) in the 1951 season and was awarded his county cap by captain David Clark after making 71 against the touring South Africans, at 18 the youngest man to be capped by Kent.  Cowdrey won a Heath Harrison Exhibition award and a place at Brasenose College at Oxford University to study geography in the autumn of 1951. He played for the Oxford University Cricket Club in 1952 and 1953 at the start of the season and the rest of the summer for Kent. He made 50 and 57 for the Gentlemen vs the 1953 Australians at Lords. In 1954 he captained Oxford University and was a surprise choice for the MCC tour of Australia, replacing Willie Watson. Len Hutton later told him that his selection was a gamble, but it was thought that his technique would be good on the hard Australian wickets. At 21, Cowdrey was the youngest man in the side and the schoolboy photographs used in the brochures made him appear younger. He had yet to make a century in the County Championship, go on tour or play a Test, though he was made twelfth man for the Fourth Test against Pakistan and fielded for 20 minutes, but was so nervous he could barely watch.  I scored 114 in the first innings and 97 in the second. I will not claim that the first innings was a particularly good one, as it took me almost seven hours. But neither would I pretend that it was not immensely satisfying. I took ball after ball, blow after blow on that improvised body-shield but was able to stand firm...The second innings was the best I ever played. From the firm foundations of real confidence I was able to get after the bowling and repay Hall, particularly, for some of the anguish he had caused me. I had one glorious hour against him...I hooked him twice in a row and reduced him to the kind of despair which, but a fortnight earlier, had been exclusively mine.  After the poor tour of Australia the previous year a revamped England team was taken to the Caribbean under the management of the forthright Walter Robins. Cowdrey was roped in to open the innings with Geoff Pullar as May thought he was the best player of fast bowling. Even though it was not to Cowdrey's liking he made 491 runs (54.55) and two centuries. England won the Second Test by 256 runs despite play being held up by a riot, but May suffered an internal injury and had to go to hospital every morning before play. May soldiered on, but Cowdrey knew he would soon be in charge and was so affected by nerves before the Third Test that he "would have given anything not to have played". To face the fast bowlers he wore rubber padding sewn into his shirt and recovered to make 114 and 97 despite Wes Hall taking 7/69 in England's first innings of 277, no one else making over 30. May had to fly home for treatment (and was unfit to play for 18 months) so Cowdrey took charge in the Fourth Test, winning the toss and top scoring with 65 in England's 295 as Hall took 6/90. The West Indies overtook this with 402, but Ted Dexter (110) and Raman Subba Row (100) saved the match. In the Fifth Test Brian Statham flew home to his sick son, but Cowdrey won the toss and again chose to bat, top scoring with 119 in England's 393.  Trailing 1-0 the West Indies needed a win to even the series and Gerry Alexander declared at 338/8 to force a result. Cowdrey was out for a duck and England were 148/6 before they were saved by M.J.K. Smith (96) and Jim Parks (101). Cowdrey declared at 350/7 leaving the West Indies 406 to win in 52 overs and their 209/5 gave England their first series win in the West Indies. Even so, Robins publicly upbraided Cowdrey for not making an earlier declaration to make an exciting finish.  I saw as my farewell to the major stage of cricket, and it would be dishonest to say I saw it sentimentally as an actor or an opera singer who wants to leave the stage with a memorable performance...I hoped to return to Australia for the fifth time, this time as England captain, and win the Ashes with the team I had built, nutured and encouraged. I was to learn, or course, that such romantic conceptions are not only born in the minds of fiction writers, but can die there as well.  Cowdrey was made vice-captain for an Australian tour for the fourth time and Illingworth's tough no-nonsense approach to the game clashed with the MCC tour manager David Clark, who had been captain of Kent in Cowdrey's youth and had given him his county cap. As a result, Illingworth effectively took over the running of the tour with the support of the players and Clark's influence declined, as did that of Cowdrey, who as his only ally he became isolated, though he still had his Kent team-mates Derek Underwood, Alan Knott and Brian Luckhurst. The players tended to avoid the press and public, even to the point of having their meals in their hotel rooms, and only Cowdrey made an effort to meet and greet the cricket fans. The rotund Cowdrey was in the sunset of his career and failed on tour, making only one century - 101 against Victoria - which was so slow that he was likened to a beached whale.  In the First Test he overtook Wally Hammond's record of 7,249 runs to become the most prolific Test batsmen, a record he held for a year when it was overtaken by Gary Sobers. Cowdrey made only 1 run in the inaugural One Day International at Melbourne and was dropped for the Fourth Test, had his cap stolen while fielding in the Fifth Test and was dropped again for the Sixth and Seventh Tests. Illingworth won an argumentative series 2-0 and regained the Ashes, but Cowdrey only made 82 runs (20.50) in the series. They carried on to New Zealand, Cowdrey missed the First Test and needed a runner to make 54 and 45 in the Second Test at Auckland, coming in at 63/4 in the second innings when New Zealand had a real chance of winning their first victory against England, but he added 76 with Alan Knott (96), and the danger was averted.

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did he play in New Zealand?