Who wants a fight?

[Lawrence]

Wonder what they would say if you asked for full backdated refund, as if they say you're not covered then they can't take money for it.

Legally I think the broker would be liable.  You would be covered as you've gone to an insurer and purchased a policy.

I had something like this with my car, I bought the policy online and got confirmation email through but no docs.  When I phoned them a couple of days later it turns out that they had details of the quote and had received the payment but the policy itself had not been set up.  Had I been pulled for no insurance I'd have been ok as I had bought a policy, it's not my fault that they cocked it up.