Underhanded claim tactics

I submitted my claim with the company after my vehicle was ******. Investigation was concluded within two weeks as I provided footage,spare keys and reports from police station of this traumatic incident. I had to go back and call the about three to four times to get feedback on my claim and every time was told I must provide insurance history which I did and they came back rejecting my claim saying although there is a recording of me stating that I used prime meridian less than five years ago when I joined them but I should have been quoted more for my premium. Whose fault is this because I was honest with consultant during the joining process. I am very disappointed and frustrated,had I known I would have gone to another insurance house. The reasons for rejecting my claim are unfounded. They told me they would refund all my premiums as I should not have been covered by them.