Paying for insurance but no use

When I open any account I take out insurance to pay my account for when i might loose my job. A few years ago it did happen. The company was sold! The last 2 months I did not receive any pay and the owner skipped town leaving me with no job and now money. this is where the insurance should start paying out right? I struggled for over an year to get an job just doing a few loose end jobs just to survive. Insurance still did not pay out a cent. I then got this god send opportunity to study with an bursary so i took it with both hands. Today I am Blacklisted due to insurance that newer paid out. My credit is at the level of very high risk. Today I have an good job. Thanks to Bad service and and a **** of insurance i can not rent a home due to bad credit. I can not get a car due to bad credit. Thanks to the fochini group