NLIC.org

Rose Said:

home insurance was not started by mortgage advisor?

We Answered:

Did you sign a cancellation request form to cancel the old building insurance and did you sign the application to purchase the new insurance on the new house? Do you have a copy of the application? Did you give them money to start the new policy? Your agent just can't "start" a policy without your request (which is the signed application and payment). If you have proof you did sign the application and make a payment, you may have something, if you do not, then you don't.
It doesn't sound like you are in the US but in the US agents should have an errors & ommissions policy (professional liability) for times when they mess up coverages - we are all human. I don't know if you have that in your country but it is worth looking into. The agent may have to pay for the damages if they are the ones that made the error. The company will not have to pay since they don't have a policy.
Another thought - could the policy have been placed but cancelled for nonpayment since they had the incorrect mailing address and you never received the notice?