Paying for nothing claims are terrible

I have been a client for a few years now, with Home and Buildings cover and full comprehensive car insurance and add ons. I have been paying my insurance all along now after a few years I have had a car claim which was a minor incident the claim was closed I emailed to ask why and never got a response . I then had a buildings claim which was also declined? Paying is easy claims are drawn out and difficult and then declined? I am canceling immediately I am paying for nothing.