Ooba Rejects Claims on Technicalities

I've been paying my insurance premium with fault and when my kitchen ceiling broke, Ooba sent someone to evaluate the cost, but my claim was rejected because the roof trusses are 800mm apart instead of 400mm. My problem is that I didn't build the house (it was built before 1970) and Ooba didn't cancel my policy because the trusses were too far apart. Instead, they continued to debit my account every month and when I put in a claim, they rejected it on a technicality. Ooba takes money and makes excuses not to repair any claims.