Horrible service

I had an unfortunate incident about two months ago. And had to put in a claim. My insurance had covered the costs of the repairs. I have a very high excess on my claim, but took out a policy to cover that should i had to claim. The paperwork was submitted for the claim. And had heard nothing from them. I kept on following up on the claim but was never helped, nobody could give me any answers on the claim. Every time i called Guard Risk i had to hear that the person working with the claims is not available but that i could leave a message and that he should call me back. The repairs on my car was carried out and i collected my vehicle. I had to pay the excess as the repairer has a strong policy that the excess need to be settled before the vehicle could be released. I then submitted the invoice with the proof that i had paid the claim. Only to receive a letter stating that my claim has been rejected as i did not inform them of my claim in time. Which is utter nonsense as i did so a day after i reported the incident to my insurance company. They now refuse to look at the claim and are not taking my calls. They deduct the premium every month from my account. One month they tooked 2 months premium without any written notification. And when i enquired about it i was told that the premium had gone up just like that. No letter to inform me that the premium had gone up and that in double. If i can advise anyone. DO Not take out any policies with Gaurd Risk Protocol they are a bunch of ******* and cons *****ing people's money and not providing a service. They need to be closed down. I have canceled my policy and had instructed my bank write back the premiums. I mean why should they get paid if they do not provide a service to the public.