Claim rejection without good reason

I bought a vehicle from a dealership, Hollard were very quick to insure the vehicle and take our monthly premium. Turns out the vehicle was ****** and seized by the police. We were completely de*****ed, car dealership no longer exists, salesman couldn't be tracked down etc. Reported this to Hollard with police case number etc, suddenly they pull out a clause that we have never seen before indemnifying them from paying out to us. This clause was not included in any policy/documentation/emails or communication that we have ever received from Hollard. So we lost the vehicle and the money we are still paying for the car and Hollard seems justified? My pregnant wife now has no vehicle to get to work? But as long as Hollard gets their money from clients. We are victims in this scenario and if our own insurance provider cannot help us what is the point of paying them each month?