Horrible experience

I have taken out insurance last year with budget they have been debiting my account every single month knowing the pictures wasn’t loaded on the website I met in an accident in November 2020 budget therefore took 3 months to get back to me regarding my insurance eventually when they did they said they can’t pay me cause the correct procedure wasn’t done so what happens to people who don’t have smart phones and can’t upload pictures what happens to people who forgets don’t they follow up it’s really a terrible experience with them I would recommend them to anyone worst insurance company ever firstly they don’t even follow up with their customers knowing the correct procedure isn’t done