After emailing this below last year and following through continuously since with then very little and now no response at all from BCD "I am getting in touch in the regards to the cancellation policy and the situation I have been put in at no fault of my own. The current situation is I am currently uninsured which means I am unable to work, see my children etc. I also live rurally with the nearest shop a 1 hour walk from my address and have also dealing with the sudden death of my sister and nephew during December. This on top the current restriction regarding COVID-19 and it been the festive season which has meant reduced services available including BCDs. After paying nearly £1500 towards my policy with the 1st payment made on renewal and a further payment of just under £500 made on Tuesday 29th December, it was at this point I was made aware that there was an issue regarding documents required. I was instructed to submit my driving licence no later than that day, which I did on getting home after a 13-hour day at work. I outlined to the agent I spoke to on the 29th Dec and today (31st Dec) I was unaware that these documents were required within a time frame. I had been in contact with BDC over the December who had contacted me regarding my Public Liability, Goods In Transit and I had contacted regarding future payments. These dates are 3rd, 4th, 15th, 16th, 18th, 22nd, 24th, 28th, 29th of December. I then contacted BDC on the 30th Dec after picking up a text outlining my policy had been cancelled, to which as on many previous occasions, was cut off after selecting from your options (I have actually highlighted this to agents of BDC in past communications on the phone). I called again today (31st Dec) to be told that my policy had been cancelled and that I would have to renew my policy, there was a cancellation of policy now against my name, that the payments made for the additions (£300+) to my Insurance was non-refundable and that I had been charged a £75 cancellation fee. After speaking in depth with your agent today, who I found try to deflect this situation from what it exactly was as stated above, i.e., we have called, sent you emails, texts. I acknowledged this was correct hence the telephone contact made by me on the dates stated above but emails regarding documents required were never received and the requirement of documents was also never raised in direct verbal contact, text or voicemail by BDC. In regards to emails, something I do not always have access to due to the line of work I am in. on checking my inbox today, the last email received from BDC were my document received on renewal and some that have come up yesterday and Tuesday as Spam regarding my policy been cancelled. To add to this, this situation was further compounded by a letter received today regarding Continuous Insurance Enforcement which I found disrespectful to a customer who has insured 2 vehicles with you previously. It made me feel like a criminal As soon as I knew of that documents were required, I responded immediately and as directed by the agent on the 29th December by submitting my Driving Licence by the end of the 29th Dec 2020. I will be getting in touch on Monday as directed by todays agent to seek an amicable resolution to this matter"