Stopped for not having car insurance, we thought we did, please HELP

[pinkbraces]

Im hoping someone can offer me advice. Last night my husband was pulled over and told he doesnt have car insurance, he produced the certificate of insurance which he had on him, it runs out end of August 2013. The police were adamant we did not have insurance, the car was impounded.

It turns out that esure, who we took the insurance out with two months ago had cancelled the policy, we did not know this.

We have the confirmation email from them stating the start date, along with monthly payments. We have the credit card receipt which shows the initial two month payment, and we have the certificate of insurance.

The insurance company asked DH for proof on no claims, he sent the insurance certificate from the company we were changing over from, it turns out this wasnt enough evidence of no claims. The insurance company are saying they wrote to us asking for more evidence of no claims and as they didnt hear from us they cancelled the policy and refunded a small amount onto our credit card. I have checked the card and we did receive a refund, I just never noticed. We never ever received a letter from them, no communication whatsoever asking us for more information, which we could have supplied as DH has full no claims.

I fully understand we should have made sure that the direct debit had been set up and the payments were going out to the insurance company, that was my responsibilty and I didnt to it. However surely the insurance company should have tried harder to contact us before cancelling.

We have spoken to a solicitor and are going to fight it as we believed our insurance was in place, the solicitor fully expects us to win

Our biggest problem at the moment is getting insurance for my DH whilst this is going on. Can anyone suggest how he can get car insurance that isnt over £2000. Normal insurance is £700. He has to have the car for work.

Im sorry its so long but Im desperate for help and thought it better not to drip feed.

[tb]

Direct Line did the same to us - we only found out 6 months later when I rang to request a green card for going to France on holiday. They offered to give us cover without any penalty for being uninsured.

We went elsewhere.