Unprofessionalism and appalling service from Momentum Insure

Last May, I received an email from Momentum informing me that they were be taking over Alexander Forbes' scratches and dents business (Policy no: ****2). Fast forward a few weeks, I filed a claim for a scratch on my car, and yesterday I received a call from one of the momentum representatives telling me that in order to have a scratches and dents policy, you must have a combination of everything, including house content, car insurance, and so on, effective January 1, 2022. But when was I going to be informed of this if I hadn't filed a claim a few weeks ago? Why wasn't I warned last May that if I don't take the insurance with the items I've stated, my policy will expire on January 1, 2022? I could have cancelled my policy by then and looked for other businesses that only cover scratches and dents. Worse, the person who answered the phone indicated their superiors would provide me with an explanation in writing, but I have yet to receive the email from yesterday. All I need is for my car to be fixed, and then Momentum must learn to be professional.