Rejected Claim

I bought the vehicle 6 months ago (Nissan NP200) and on taking the delivery of the vehicle got it insured by a company (king price)on the day 26/04/2018

In the recording of the quote on getting the vehicle insured they did mention that the vehicle need a tracked and told them to forward me details of tracking companies, i also told them i will look into it and fit a tracker.

My vehicle was ****** on the 17/11/2018 out side of my workshop, i reported to my insurance on the day and with the police. i have received my case number from the police 287/11/2018.

After a few day reporting the incident to the insurance , they send me a mail that my claim has been rejected.

I also send a mail to there internal ombudsman to reject there claim of rejection. Got an mail back from the saying that they will look into it and it will take 5-10 working days. But in 3 days after my request i received an mail back that they looked into it and they and the rejection still stands.

So I have asked an external ombudsman to help me in this matter.

My question is as follows:

1) They knew that the vehicle that i purchased did not have a tracker in, on the recording i did mention to them the vehicle does not have a tracking device installed. 3) Why didn't they push up my premiums and on a later stage dropped it again after i have fitted a tracker. 2) Why did they not do a follow up a few weeks or months after i purchased the vehicle? 4) they also didn't give me a time period to fit the tracker to my vehicle 5) also why didn't they gave me a penalty to pay to insure that my vehicle can be replaced.

A follow up would have been in my best interest to insure my vehicle that they insured is cover correctly.

They toke my monthly payment knowing that there is no tracker in my vehicle, So here i am trying to make plan to get to work and back to make an income for my family, So if my vehicle wasn't ****** at the time they would have just have taken my monthly payment with no interest on doing a follow up on the tracker.

Please advise on to resolve this matter.