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lol no they didnt.
when u accepted the quote and never returned the docs after the '1 week cooling off period' you have therefore accepted the terms and conditions on the policy.
i think youll find its quite blatantly written in your policy wording.
do u honestly expect insurance to give you a whole whack of cash for free ?
and theyl make a fool of you in court
theyrs loads but ive never actually done it myself. i know fo' sho' theyrs defo one in battlefield thatl do it cheap.
but tbh any asian shop will do it to make money