King Price Insurance is questionable? Listen and read the fine print

I took out a policy with king price in 2019 December when I privately bought a vehicle. I had cancelled in August 2020 as I was shopping around for other insurance companies. In Nov 2020 I had reinstated my policy. I also put through a claim in Nov 2020 which was declined as my vehicle did not undergo an inspection which I understand. I am unhappy that from Dec 2019 till Aug 2020 I also did not do an inspection which means I was paying for 9 months without an inspection and had I needed to do a claim in that period it would not have been valid. Shouldn’t they ensure conditions of the policy are met before debiting? No inspection = no cover so what was I paying for?