Car Insurance Claim Rejected with no credible reason

I made a mistake of switching my car insurance over to Prime Meridian Direct. They are a perfect example of insurance companies that are happy to debit your account, but looks for reasons not to pay claims.

Around the first week of July, I was attacked in my home by someone I knew and trusted, the person ended up *****ing my personal belongings and my car. I reported the Car ****** to at the Cape Town police station. The vehicle was circulated and recovered by the Cape Town police station. PMD was made aware of of information when the claim was submitted. I had submitted a police case number and a circulation number. PMD took 30 plus days with their investigation, and finally rejected my claims saying that a non nominee driver was driving my vehicle, which was stating the obvious as the car was reported ******. They were simply ******** about the circumstances of this this case. I am so disappointed at them, and regret moving my car insurance to them. I am now going through the stress of fighting this.