Don't know if I'll finish this year cause I've run out of momentum

So I take up insurance with momentum after about 2.5 years of being kicked out by discovery for being a so called multi claimant. Most of the claims were approved at discovery but they felt I was high risk. So when I joined momentum I didn't disclose that I had insurance with discovery before cause it was no longer appearing on my credit profile. A year later after being with momentum on my 2nd claim which my house was broken inn to and most of my electronics ****** to over a cost of 100k. They say I didn't disclose that I had insurance with discovery and was removed. Why would I mention something that doesn't appear on my credit profile anymore. Is it right that insurance companies remove u for valid claims and then even yrs later u must disclose that by the way I was removed from my old insurer. If you have bad credit you get listed and after sometime your name is cleared. So why does insuraner keep us hostage of things that happened years ago. Is it not enough that you've been on a list for sometime. I guess this is how my year will end, who knows might just take a few pills cause I've had it. I hope my accessors get they're commission, I don't blame them I blame the insurance institutions inhumane