Suspension of insurance without notification.

So, i log into miways site and it says there is something wrong with my account i need to contact the call center, i do so and the agent tells me that the site is under maintenance and i should try again in a few days. So i want to log in again a few days later because 2 days ago some fool didn't pull his handbrake up and it gives me the same error. I proceed to contact the call center again, this time they say that my account has been suspended. after holding for about 25 min on the line the consultant states its because i ticked the declined insurance before tickbox. Now, hears my issue. my insurance has been suspended for weeks and not once did they care to notify me of it. So how the hell was is supposed to sort the issue out if i was never notified of it! Now how must i pay for the damages to my vehicle!!!!!!!!!!!