All you needed was proof that you had insurance for the period of time they took out a policy on you. The insurance company would have provided you that. In turn, the bank would have had to refund you any amount they had charged for the time you were insured.
The insurance company not only provided us with the proof, but also the bank - over, and over again, as did we. We never paid the bank for insurance, they never gave up trying to collect.