Gaurdrisk and Viva Cover and Techsured are link to 1 company,I took out phone insurance from Techsured for the last few months and it's covered for THEFT, Lost,damaged

Gaurdrisk and Viva Cover and Techsured are link to 1 company,I took out phone insurance from Techsured for the last few months and it's covered for THEFT, Lost,damaged.but when I lost my phone and claimed for it they told me after almost 3 month of emails phone calls etc they will not except my claim because of repudiated.my phone was not locked up safe guarded when I didn't use tye phone.if I walk in mall shops etc and not use my phone Iust lock it up and safe guard my phone...