You need to contact your insurer straight away and sort matters out. Most policies revert to FIRE only (at best) after 30/60/90 days unoccupancy. Did you tell insurer that house was unfinished at the time? Did you give them an estimated date when you would be moving in FULL TIME?
As Peteb says, you may have NO cover at all on the house and you really need to sort it out.
as for the phone, wave goodbye
If you still work for FBD, you already know this anyway - don't you?