Guys, it was an insurance scheme, not a savings scheme. You would only ever get anything back from your contributions if you made a claim during the time you were paying contributions. When your car insurance runs out at the end of the year you don't get anything back if you haven't claimed.
I did contribute to LIPS and (I hope) I was covered while I was doing so. Now that I'm no longer contributing (Checks into a personal bank account? Don't think so!
) I'm not covered. End of story.