Car Insurance

Got 12 months car ins due renewel in one month letter came thought door and it said ins cancelled 5 months ago but i did not cancel so really i been driving with no ins can i get full refund when i rang ins they said it was not cancelled but say so on letter the woman on phone said it was cancelled 1 month ago i said not bye me she also said the same to me and the manger going to look into it and ring back to day has not done so also they are trying to charge me £20 for cancellation and i think it should be void can i get a refund or sue them

Cancellations are generally done by the customer - and signing of forms should state thatcancellations done by company for failure to pay or comply - should be done by written notice not phonecontinue to have them verify who cancelledif error on their part, would think they owe a refundif need be - seek legal counsel