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Hello, welcome to the website. My name isXXXXX can assist you with this.
This sound unfair on you. They cannot continue to take the payments whilst saying that there is no cover in place.
You will only be convicted if there was no insurance in place, and it seems to me you have good arguments to say that whilst they continued to take payments, there was in fact insurance in place.
I would suggest (if you haven't already) you challenge the insurance company in writing and ask for their final decision immediately.
Insofar as the road traffic offence side is concerned, you should persist that you do have insurance and that the insurance company is wrong.
I have had a phone conversation with the insurer and they said it was my responsibility to make sure the insurance is in order and offered a refund of 2 months premiums. I read on a website that the insurance company must inform in writing if they cancel your policy. Does that mean normal post or will email do.
Thank you for your conversation. Very helpful.