Insured my car paying a down payment of £240.00 Received documents which I signed with a copy of my Driving Licence and return within 21 days as required. Received an email on the 09/11/2016 at 12.15 with the wording ‘Failure to complete any necessary actions could result in cancellation of your insurance policy’ Attached to the email was a document ‘Cancelling my policy!’ I Called THE POLICY SHOP - I stated that surely they can't send me a email stating that if i do not action it could 'result in' cancellation attaching a Cancellation letter (dated the same day) to be advised that they sent me a letter by Recorded Delivery and that was my 7 day warning/notice of cancellation. I have NOT received any letter from them and on them checking their systems they confirmed that the Post Office attempted to delivery but the letter is still held at the Post Office. The Lady and i use this term loosely stated 'its not our fault that you weren't in' I reminder that I work full time as per the details on the Policy. The lady responded with Posting of the letter deemed that i had received it. I reminded the Lady that that is not how deemed receipt works and The Tribunal held (in regards to the Cancellation of policies) that the Onus is on the Company to confirm receipt prior to any cancellation and that they had evidence on their systems that I have absolutely NOT received it. My argument – surely that’s evidence that I have not had 7 days’ notice of cancellation therefore void as not met T&C’s The keep £89.00 for the period I was insured (3 weeks on the 09/11/2016) the keep £75.00 for the cancellation and they keep the remainder of the £240.00 that being £76.00 for lost Commission! Complaint submitted and will now take 4 weeks (up to 8 weeks if complicated) to resolve. These people find tying their shoe laces complicated so I not holding my breath!