King price looking for reason's not to pay out a claim

I have a gwm bakkie and couldn't drive it for 2 years as it was with the dealership because the motor was redone and then the vehicle got towed away by a mechanic to fix the cluster wiring and the mechanic crashed the bakkie and my premiums was paid every month and king price declined my claim because i never inspected the vehicle because i didn't have the vehicle in my possession at all and it didn't drive at all now they tell me no inspection no cover but they were fast to take my money