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My son works in insurance and I asked him to check into it. As everyone has said, the reason is that they consider you were fronting the insurance.
You should get their reasons for refusing in writing from them - perversely, there may be a fee charged for doing so.
If you take it to court, they will speak to neighbours etc. to check up on you, so Steve's advice is very good - it pre-empts them nicely. If they think they are likely to lose a court case, they will settle. Insurance companies always settle if they are not certain that they would win a court case.
As an aside, if they get away with it, they would have to refund you your entire premium as this would mean that, since they never had a risk to cover, they are not entitled to the money.
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