Hi
I took out car insurance mid 2007 and paid my premium up front, received all policy documents etc and have been driving my car ever since thinking i was covered.
The other day i was stopped by the police who accused me of having no insurance! To cut a long story short, the insurance company had cancelled my policy two months into the year for alleged non-receipt of no claims discount proof (i did send it, but can't prove this)
They claim to have sent a recorded delivery letter informing me of their intention to cancel, but i never received it. They have admitted this verbally, telling me it was returned to them a month later as i never collected it from the sorting office. Unfortunately i'm not psychic and never had anything through the door telling me a letter had had attempted delivery. The insurance company tell me it's not their problem and i should take it up with the post office! They have two phone numbers for me and an email address too but never let me know.
My car was impounded because of this (now retrieved at great expense and worry after getting new insurance cover out) and i was cautioned by the police for lack of insurance and am likely to get a court summons where i could potentially get banned from driving!
The company did pay some money back onto my credit card when they cancelled, but it wasn't the whole premium (or even a proportionate amount) and i didn't notice this at the time sadly.
Does anyone have any advice on how i proceed with the legalities of this and attempting to get compensation from the insurer for doing this?
thanks in advance