Innovation Group let me down

I joined Innovation Group and have been paying my premium every months since July 2018. To date I had no idea what my policy looked like,w hat the clauses were and what I wasn't covered for. Now my car broke and I am trying to put in a claim, they couldn't find my details. Eventually MFC managed after a few days to find the details.

I have been told by the repair company that Innovation Group won't pay out on this claim.

So now I ask myself why do I have this policy that almost doesn't exist and then also won't cover me for an engine mounting that broke.

I have requested cancellation and hope they will refund me for a policy that never really worked or started.

I am terribly disappointed.