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I am a solicitor in Scotland. If the insurance company has taken a premium then that is indicative that they have sold you the insurance policy unless there is another issue as to why the policy has not been placed on risk. Have you asked them why the insurance is not in place?
Have they refunded anyth8ng to you?
My own view is that I agree with you. If they accepted the payments then they accepted the risk. In practical does it matter now?
Yes I agree. They have accepted the premium so they are due to accept the risk.
In practical terms for that sort of insurance that doesn’t work. I see you are going to have to complain to the ombudsman here.
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