The incident happened during the new cover however when taking out the new policy it asked if this covered old work for which I need to be insured and of course the answer is yes.
I am an Architect and need to stay on cover.
Not taken any action other than paying an outstanding invoice.
I took on the new policy on the basis that my cover was cancelled from the date the new policy started because I had not realised I had so big arrears and the old company would not give me monthly payments because of this.
I have since paid in full the old policy, which should be live, the broker has not made any comment about the payment in two weeks.
In theory at the time of the claim I should have two policies. However the old company have said, after I paid them in full, that the policy was cancelled from the date of inception presumably because I had not given them any money.
At this time the old policy is paid in full and the broker has not made comment about the payment to either refund it because it was cancelled at the date of inception or to confirm that the policy is live. I do not want to ask them directly because at the moment there is a huge grey area which I can protect my professional status with.
If nothing happens then I will not have to prove I have cover however the clients claim is to prevent me from going after fees. I am only stuck because of my professional standards and the insurance cover. They potentially will not move this forward unless I do.
I am asking, given that my broker has not responded to my payment, if my policy is live given that it is paid in full. And also that the policy started at the date of inception given that I have paid the invoice that the broker issued.
I have the policy documents from the date of inception. So presumably with the policy documents and the receipt I am covered regardless of any other emails unless the broker writes and returns the money. Even then he will be required to give a just reason. Yes No. How long will he have from the date of payment to make that argument. The daft thing is there is unlikely to ever be a claim because my new policy is dealing with the claim