Iwyze is great and financially reasonable

Iwyze is great and financially reasonable. It is one of the best insurance to be with My one issue that I didn't understand was that they have been debiting for many months and the car had not been for inspection and no certificate of inspection was submitted to Iwyze. Would the insurance paid the claim if I got in an accident even with that certificate not submitted? Or only at that stage I'd be told they didn't know the status of my vehicle?Theu didn't even follow up on it.