Cartrack are *******, promising false advertising

I had taken an insurance with kingprice, which they advised that I should also have an account with Cartrack. I later canceled my kingprice account, however continued to pay for my cartrack account.

My car was then ******, however unfortunately not recovered. Cartrack claimed that in an event my car is not recovered I'll be entitled to 150k claim. However their story has changed. Apparently due to the fact that I was insured by an insurance company my claim is not applicable.

My query is why is it that when I canceled my insurance, my cartrack account was also canceled?

And because my account was opened through an insurance company, why did the consultant mention that I'll not be applicable for the warranty and on the recording she clearly states that I qualify for the 150k warranty in an event my car is not recovered.

The terms and conditions stated to me by cartrack now as I claim , should've been the same stated by the consultant who called me.