Unsatisfied client

I have had 2 insurances with budget and everytime I claim, they always have stories. I have claimed on 2 insurances and did not get paid for either. 1st time they sold me an insurance that does not cover accidents and did not know until I had a accident. This time, I registered a business insurance and now I need to claim, they are now saying that the access is double what we agreed because it is too soon. They are now threatening to cancel my policy, even after I have been paying premiums, all because they do not want to pay for my claims.