Is it right that you dont get an insurance certificate for just Fire & Theft cover only ?

Had my renewal through and havent got a certificate for the Scoob, but it is garaged and only on Fire & Theft

Its only costing 95 quid a year too :)

No, you get a certificate for any level of cover, TP, TP+T and FC.

Sometimes the certificate does arrive a week or so after the policy has been taken out / renewed

maybe correct as a cert would only be required for road cover, fire and theft or storage cover would not really require a cert, but you should have a policy I would have thought,