Theft by discovery insure

Opened a motor vehicle policy with Discovery insure in June 2020. My car has a foreign registration number. They created the policy with no issues and even organised a towing service for me December when I had tire burst without issue. The vehicle was involved in an accident in February 2021 upon which I lodged a claim, where they Organised a courtesy car for a month. I was told that the claim payout will be after a week but A week later when the payment had to be done the call center agent would make a run around and claim that they will call me back as the matter has been escalated and they took 3 weeks to come back to me rejecting the claim on the basis that the car had a foreign registration number. They have been collecting premiums every month with no problem. On top of having written off the vehicle and rejecting the claim, they still ran a debit order on my account and collected premiums for the past 2 months. Today I call them and been taken from pillar to post when I want my money to be paid back. That is theft, collecting premiums on an item that is no longer under cover. They must fix that car or pay me back ALL of the premiums since inception of the policy. Apparently they don't even have the registration number of the car on their system. They shouldn't have put the car under cover from the onset because it has a foreign registration number instead of determining this at claim stage.