Pathetic service

I have had the worst experience with my way and regret not canceling my insurance sooner. In 2021 I insured my vehicle with scratch and dent cover, my home and content. I claimed for scratch and dent in 2022 and my vehicle was assessed by a reputable panel shop. However, I was told by miway that every incident has to have an individual claim. The assessor included all the scratches and dents and it came to more than the maximum amount of the cover and they refuse to pay saying that the claim has been closed because of the amount. Thereafter I sorted my car out privately and sold it. My brother resided in my home and I had an affidavit stating I am paying him a some of money to not have contact with me. He broke into my house while I was away and basically emptied my home. My claim was registered in November 2023, they contacted me today saying that the claim is closed because he was a member of the house. At the time he broke into my house he was not living there. The assessor interviewed my neighbors and was advised that he was not residing in my home. They do not do a proper assessment, nor a thorough investigation. Pictures were sent to them of the damages caused due to the break in and they had sent an assessor, to date they have not contacted me for the damages to my property. I have told them since 2021 I have been successful with any claim with them, yet my premiums are paid on time every month. I have asked the assessor to pay me back all my premiums because I they haven't provided me with any insurance and I was told that they cannot do that. So basically they have been taking my money for nothing and look for any and every excuse not to pay.