Poor service and mis leading

I've been with pinnacle marketing for over 6 years I have never claimed and when I do claim my claim was declined due to a technically. For 6 years I've never missed a premium and when I claim due to no Sim card being in the phone my claim was declined. The consultant told me if I don't use another Sim card besides the insured Sim card there will be no issue but when it comes to claim stage the information given was wrong and terms and conditions are being used as means to decline the claim. The service and manner the situation was dealt with was so poor, I will never advise anyone to use this insurance ever again nor will I.