Hollard shortfall *****

Hollard did not sent me a policy but have been deducting premiums through Audi. They claim to have sent policy documents through IUA but i have never received any email from them. The policy which i recently got after requesting it says i have a right to cancel policy within 30 days of receipt and be refunded but they are refusing and insisting that they sent me email, but told them multiple times that i did not receive any email.

i wan to cancel and be refunded all my premiums.