Innovation Group ******!!!

I have this PREOWN- ********** policy with whom I thought was Dial Direct which i have been insured with for over a decade but the day I claimed, is when i realized I was dealing with the Innovation Group ******. They send an assessor who is trained to look for faults and loopholes to avoid paying out policies. This unfair and unjust practice has my car sitting at a mechanic's workshop due to an *********** assessment which found a problem with the exhaust instead of assessing the engine which had the problem. How do you explain a married mother of a 3yr and 6yr old modifying a 1.4 polo by removing a catalytic converter, which as the name suggests only converts toxins in exhaust emissions. NOTHING to do with the engines function but the assessor says this is his finding. Innovation ****** never asked for the car to be inspected all these years and enjoyed taking monthly premiums on time...but the day you claim they will try every trick in the book to avoid payment. On another incident of my other vehicle 'scratch and dent" policy they actually waited until the month ended to receive their premium before approving the coat of paint on my bumper...They even go as far as making you pay your own towing fees and only refund you if the unlikely claim is approved!!....TERRIBLE SERVICE!!