Policy Setup incorrectly (discovery's mistake)

We I took out our Discovery Insure policies I switched over from two other insurance providers.I provided these policies to the Discovery broker and asked him to match/mirror the policy setup.Not long after that I unfortunately had a household claim and no surprise...the Discovery policy was setup incorrectly.After numerous complaints and endless phone calls Discovery decided to pay out.I however told them my BIGGEST concern is that the remainder of the policy is not setup correctly,could I kindly receive confirmation in writing that they have checked my policy against how it should have been setup.But as expected Discovery NEVER got back to me.About a month a go somebody crashed into my hubby's car while I was driving it. So...phoned Discovery to open a claim.Two weeks later Discovery phoned me and said they will not be paying my claim as I was driving my husband's car because theres only two drivers on his policy...both are my husband!!! Again, they didn't setup the policy correctly!!!Even though I asked for written confirmation that they have checked the policies!?!This is after I was told in December my hubby's car covers me as well?I am STILL waiting for a manager to phone me