Dialdirect brushed me off

My car was insured with Dialdirect, the car got involved in an accident. All the correspondence was good until the pictures, they asked me to send revealed a damaged roof, of which from what I was told by the towing company meant that the car was gonna be written off. They allocated me an accesor that did not even go the yard where the car was kept. There was no communication for over a week, so I called the towing company asking if they had been contacted by Dialdirect, they answer was a big no. So I reached out to dialdirect cause I was worried that the payment for storage was accumulating. I was told my claim had been rejected but nobody bothered to communicate that with me. I made it clear that I was not happy with the way I was treated and I intended on escalating the matter.

I got puzzled when I received an amount that was equivalent to the the premiums that I had paid, according to my calculations. This was the first time I had to claim from an insurance. Is this the standard procedure when a claim is rejected, they pay you back you premiums and both parties move on. Do all companies do this or they were brushing me off and felt a young black woman would be happy with those pennies and stop pestering their big company.