Non refund

I have a tyre insurance with motorvaps,i had a puncture on the 25th december 2017 which was a holiday,i reportes the matter on the 27th december that i got a puncture and because I was driving at a road that had no street lights i decided to drive just a little bit to the street/road that had lights for my safety and of my kids i was driving with. I then decided to put on a new tyre amd sent them a quote,next thing they send me a respond that says they wont pay for the tyre because i drove the car while i had a puncture and their contract stipulates that i should have not... My humanly question is,was i really supposed to just sit there in the dark with 3 kids in the car not knowing when my next help will come from because of a stupid contract... Its so funny that when you take out the insurance,they will never tell you all these things, I am even still awaiting the paper work of that contract i took last year march... Motorvaps i want my reimbur*****t for the tyre i bought which you are supposed to replace...