This is not really a reply to your question, sorry.(posted 8164 days ago)I had an intersting little chat with the Information Commissioners office today which I feel add's something to this missing MIG policy question.
My daughter lost her mobile phone some months back. The kind person who found the mobile made several hours of calls to premium rate £1 a minute sex lines and landed me with a £300 bill. I managed to identify the culprit, and even a witness, but the police are reluctant to take any action. Then I saw an article in the newspaper which stated that all mobile phone companies have location records for all calls made. I served a SARN on the mobile phone company and asked for the location records which I beleive would identify and confirm the culprit as the person making the sex calls. The mobile phone company refused to supply the location records, they said they never supply location records. But, the Information Commissioners office advised myself today that; "If I'm paying for the calls then I'm fully entitled to all data concerning the calls, including the location records". The mobile phone company has to either supply me with the location records or refund the sex line calls.
Now I think that exactly the same concept applies to MIG policies. If you (the data subject) are paying for the MIG policy, or are liable for the MIG policy, then you have a right under the Data Protection Act to see the MIG policy document, and all communications/data concerning the MIG policy.
I would therefore suggest that somebody who is having problems seeing/obtaining all details of their MIG policy applies for an assessment to the Information Commissioner. If you have served a SARN on the bank & Insurance company, and if you are being held responsable for the insurance policy then they must provide you with all data about the policy, or cancel the liability.
It makes perfect sense to me, but of course the Information Commissioners office will have to rule on this concept.
Hope this helps, sorry I rabbit so much.
Good luck.