OUTsurance NOT insurance

I am an extremely frustrated customer and not sure what to do here. I have been regular with my insurance payment and do everything right as far as I know. I have one massive destabilising life even, and I feel OUTsurance has really let me and my family down. I am a parent with two children who go to school and need to run errands, but under these harsh economic conditions, I am paying for a car and insurance on my car and yet do not have access to it. Simply because we experienced flooding at our home in June 2021, the car was picked up by OUTsurance, and till date January 2022, I do not have a car. Every month OUTsurance expects me to pay insurance on a car and pay for the car without having access to it. In all this, how do I access services and live? They claim it is still waiting for a part, but how long must customers wait to deliver parts? Have they done everything they can or just do not care as long as they are getting paid? Is there no recourse or alternative? Is there no reasonable limit on how long customers need to wait to get their cars fixed by insurance? Is there no protection for customers in such situations? I know if I refuse to pay them for more than six months, I will be in trouble. Do they just get to take my money month after month? I need answers as I am done with this. I just want my functioning car back! I am a fair and reasonable customer and do not jump to the internet and complain. I have emailed OUTSurance and complained to them about this effect on my family and me. I am paying a lot of money for insurance on a car I do not have access to, and the monthly payments alone could have probably gotten me a temporary car to use. I have received calls from managers and other staff, and there is still no movement and promises to ensure this is sorted out quickly have not materialised. OUTSurance SIMPLY DOES NOT CARE. Perhaps they do not need my business. Please be careful which insurance company you sign up with as when you really needs them it matters. Also, suggestions for a better car insurance company that car for customers and understand are welcome.