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Do they accept that the problem occurred more than 20 days before the insurance started?
Ok - then it should be that the insurer one or the other is liable.
Therefore you should write and invite the current insurer to resolve this matter with the existing insurer
One of them is liable unless they are saying this occurred during the non insured period
I am sure they are not saying this.
If they do not then you can raise an issue with the Ombudsman. They are independent and offer a free service. Their website is: www.financial-ombudsman.org.uk
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