On the contrary Daifly:
Very refreshing to hear someone say they will do it correctly! But I do appreciate how difficult it must be keeping all the balls in the air, at cost, when so many others (did I mention the Austrians?) refuse to abide by the regulations and get away with it.
The insurance company's refusal to pay out senario you identify wouldn't apply in the OP case as the policy was allowed to lapse without renewal anyway, allegedly!
The sooner these cowboys are run out of town the better for all of us.