Good idea, thanks! Can I just add that I absolutely sent the NCB well in advance of the deadline, in the freepost envelope provided by them. If they didn't receive it on time this is either due to their failure to provide adequate measures to ensure receipt of the document or incompetency in their admin department causing a delay in the processing after delivery. In hindsight I realise that this sort of thing should be sent recorded delivery or even emailed as a PDF but my only mistake was being naive enough to follow the procedure that they stipulated, which I will now be paying for.

Hi, I know this was a while ago but can I ask what the outcome was? Did you accept the points and fine or contest it? The exact same thing happened to me two days ago and I don't believe that adequate steps were taken to inform me of the cancellation. All previous correspondence had arrived by post but still nothing has arrived to tell me my insurance was cancelled two weeks ago. After digging around in my emails I have found the notification but this was only received one week after the date of cancellation, so even if I had seen this it could already have been too late. My car actually was impounded, which cost a fortune to release due to the required special insurance and impounding fees. After checking my bank, it seems they issued a partial refund a week after the date of cancellation which totals less than half of the insurance premium, meaning they've charged me a hefty cancellation fee. I'd be interested to see how this had played out were I paying by installments, as this seems like a great way to make money out of those who pay upfront. Now I don't know what to do; as far as I was concerned, I was an insured driver so I'm considering letting it go to court but I'm worried about the potentially more severe repercussions. Sorry if this post is garbled and senseless, this has really put me out!