incorrect financial advise

I bought a vehicle and insured it with Miway. Around May I called Miway asking them to reduce my premium and they informed me they cannot. I was informed that there is a cover from third party fire and theft which I then requested the advisor to put me on as I didn't know that my vehicle would not be covered in the event of accident. advisor was not suppose to put my vehicle on third party fire and theft as vehicle is financed and I only found that upon calling my bank now that I have an accident. it is the advisors responsibility as he is working for a financial industry to acertain I am covered correctly as my vehicle is financed and bank still has financial interest in the car. I feel I was not given proper financial advise and now that I have a claim miway wont help me and I will take the matter further to the ombudsman for further intervention.