The same thing has just happened to me and I've complained to the FSO too. How did you get on with the FSO? Mine is a real problem because since I started the life insurance (which was also critical lillness insurance) in 1998 I have had a stroke (in 2007) which I claimed for and Phoenix eventually paid out 9 months later (so they knew I had had a stroke and represented a greater life risk now). The policy converted automatically to life only then. In short Phoenix had every incentive to cancel the policy. When I got the first letter threatening to cancel I phoned them and they admit they told me that I had "several months" before they would cancel. However, just 1 month and 7 days later they wrote to tell me the policy had been cancelled.