Easier to get them from direct companies. Brokers have to get them from the companies, rebroke them and then issue them.
The rule of the 15 working days applies only to motor renewals at the moment.
We sometimes don't get renewals from some companies for many reasons. Some get lost in transit, some are held back because of claims etc....loads of things can happen.
usually this will show up on a report but sometimes one can slip through the net. We would have about 600 renewals per month per office and perhaps one or two may go missing in action.
The onus is on you to make sure you are covered though.
Give the broker a call and see what happened.