My policy was cancelled without having received the emails JL claim have been sent to advise me that the bank declined the payment. This decline was due to a new debit card being issued by the bank and not being aware that I needed to advise this change to the insurance. I was not aware that the bank regular payment was made in this way rather than via BACS. JL claim that the emails were sent but they did not attempt to contact in any other way eg phone or text and I have never received the emails or in my spam. They refuse to reinstate the policy on the day I curiously do receive an email saying it is cancelled and upon immediate phone contact. I am so so disappointed as normally a very big JL fan for so many other things needed in life. I have now contacted a broker, Advance Insurance Ltd, who I have used for the last 15years for other insurances and am delighted to say they were able to set up new policies with immediate effect and now cheaper too. Sorry JL but you need to look at your procedures in more detail in relation to customer care.