Budget not paying out claim

I took comprehensive insurance with Budget insurance in 2020 for my bakkie.The bakkie that was insured was in an accident,not driven by a 'regular' driver. The policy was active and all premiums received from the time they 'insured' my vehicle.It's been over a month since they towed the vehicle and going back and forth regarding them not finalising the claim.They came back saying that they will rather refund the premiums that I paid.The deducted 2 further premiums since the accident for a car that they have written off.Budget is a bunch of ****** and the reason that they cannot claim is because WESBANK cannot issue them with a report for the insurance that I had whilst the car was still financed by WESBANK.The car is paid up and the WESBANK account has since been closed.Budget will rather refund premiums instead of paying out a claim that is not under the 13 clauses that they said in the contract for things where they will not pay.