Insurance companies...

...they're all the same.  They take your money every month or every year.  You do your bit by paying your premium on time and know that when the worst happens you can safely rely on the insurance company to make your life hell for daring to actually claim.

Technicalities.  You'd think in my 35 years I'd have learned not to rely on a common sense approach or a reasoned argument in dealing with an insurance company.  A couple of pieces of information weren't quite right and that's enough to completely invalidate my insurance.  Does it matter that the risk to the property was exactly the same, regardless of this information?  No.  Does it matter that they're own policy document seems to say that the actions I took were acceptable?  Seemingly not.  Please drop your trousers and bend over, Stoo, this won't hurt a bit.  Yes, ok, this is all my fault for not making sure the information was 100% correct but in many other financial instituitions you'd be able to make your argument based on fact.  Not with an insurance company.  Sorry. Not correct. PFO.

Will they be refunding my premium seeing how I wasn't actually insured?  Will they heck!!  I won't name the insurance company other than to say that it rhymes with I wrecked mine

Sharks the lot of them.  Someone can expect to receive a jobby in the post.