I cancelled my policy with M & S over the phone Jan 2013 prior to renewal.

. I had my first policy with them jan 2012 to 2013.

I bought a different policy with Towergate.

Now I have just made a claim with Towergate and needed to also trace my previous insurance

i..e. m&S 2012 - 2013.(needed for the same claim - subsidence)

To my horror i discovered that they had not cancelled my policy

and i have a policy running at the same time as my current Towergate policy.

I am now panicking as I thought having 2 policies is illegal?

I have already opened a claim with Towergate I have told them i have no other policy as to my mind i had cancelled and did not know i had it.

No documentation received in post.

Could the fact that M&S have failed to cancel my policy and I have failed to cancel my own direct debit make my claim void.

Any help would be greatly appreciated.