Premium taken but no cover

So I was got more than 3 phone calls from MiWay insurance and were so keen to help cancel my insurance with the my previous insurer for my vehicle. I took their policy and cancelled with my previous one being told I will be covered from the day of the first premium of which they took on the 25th, almost a month later I realized I am not covered because of the fine print condition that says I must take the vehicle for inspection. Should I have been involved in an accident before I read that I wouldn't be covered. If you can transfer me to other insurance to cancel why can't you do the same for the inspection department you are working with before you take the first premium? How devious is that? When I enquired I was told an SMS was sent to me. How can you send an SMS for something so important? When you could call to assist me with cancelling. It pleased you take my money for a cover that is not existing, that is totally theft!