Naked insurance is a ****mer

I have been a member for over 4 years paying their instalments every month without fail but when I made a claim after my ceiling board fell they diclined my claim saying the ceiling was not installed properly. They sent their assessors to come and view it. Took them over a month only for them to decline my claim. They never sent those assessers before they started debiting my money but when it was time to pay they sent those people... Insurances are ****s when they are needed to pay they dig every thing just to find a reason not to pay. I have contacted all people that joined this insurance using my code to cancel it before they found themselves in the same situation as me. I do not recommend this insurance they are ****mers people must stay away from them