I am furious with PMD they are ripping customers off for their own gain

I'm very furious my brothers car was in a accident on the 17th October and the insurance is rejecting because the are ASSUMING that the car is used for business meanwhile when he took the policy he clearly stated its a family car and at the time of the accident there was only the driver who is my brother's friend in the vehicle which baffles me because they now saying the car is used for fair paying passangers . The car does even have a black number plate which states its used for transporting passangers and there's no double disk thins in infuriating as a customer paying a premium every month with all monthly premiums paid. Secondly the say his friend who was driving has a PDP so does it mean that if you have a PDP you can't drive a vehicle for private use, so basically the insurance is saying if you have advance driving skills they will penalize you for hitting a pothole just because you have advance driving? This is really upsetting I will take this to the ombudsman because you guys are ripping your clients off and I will share on all social media platforms so other customers and potential customers are aware. You guys sucking our blood as we pay premiums every month. Call me now to sort this out it is unacceptable. Policy number MX***. There was metro on scene but they did write accident report and there was towing on scene and they have all confirmed the incident and I don't understand why you guys are calling the accident driver instead of the policy holder which means you didn't want to pay my brothers claim from the onset