Refuses to pay out ********ly

So I had a car insured with auto in general my mum was the main policy holder it got cancelled because we couldn't afford to pay the premiums because I had lost my job once I got myself back onto my feet I took out another policy with auto and general and this time in my name they apparently asked me the question if I ever had a policy cancelled not knowing that being unable to pay your premiums would put a bad name on the system besides that I had a accident with my car and they refused to pay out because I **** and said I told him Undisclosed information making me believe that because I was the main driver of the previous policy also accountable for having a policy cancelled only to find out that is not true and that I've never had a policy cancelled and they never paid me out for no reason when I try to complain they send me from person to person and promised to phone back but never do seems like they're trying to avoid me but we'll see what the ombudsman says how can you say you won't pay out because my previous policy was cancelled when I've never even had a policy in my life until then