If you are confident that you did not make an application to Group Mutual then they won’t have any document from you that could support their claim.

I would ask them to send you a copy of the proposal and, if they realise they don’t have one, that should settle the matter.

It does, however, seem strange that they have your name and address. Did you receive any documents from them when the insurance was allegedly arranged ?

At this stage I wouldn’t involve a lawyer as this could be very expensive.

Group Mutual have an agent in Geneva - Rue Argand 3, 1201 Genève, Tél.: 0848 803 111 Fax: 058 758 87 28.

You could contact the British Consulate in Geneva ( Avenue Louis Casai 58, Case Postale 6, 1216 Cointrin - Genev ) and they may be able to put you in touch with someone who could help.