Posted: Tue Oct 1, 2019 9:35pm
Oh dear, so much duff info in one post!
According to the EU directive all motor insurance policies written in the EU MUST provide minimum 3rd party cover for their duration which means that things like no MOT or tax etc. cannot and do not invalidate the cover.
If an insurer wants to cancel a policy they must write to the insured at the last notified address informing them of their intention and giving a precise date and time when cover will cease.
The 30\60\90 days UK insurers 'allow' is for the level of cover you enjoy there after which it drops to minimum 3rd party.
Anything else they tell you is lies and contrary to law.
Of course if you are not UK resident then you have no right to hold UK insurance at all but they will still be obliged to meet 3rd party claims.