Rejection

I am covered by Regent Insurance since the 0812/2016. I had an accident on 20/12/2016 and I reported on the same day. They rejected my claim citing MISREPRESENTATION. The letter of rejection says you must report any misrepresentation within 7days of receiving your policy wording. This is the policy wording they only sent me after I claimed. On the 9/12/2015 my husband requested the confirmation of cover, they only sent on the 20/01/2016 and then use that against me. If I my confirmation of cover /policy wording I would have rectified any misreprentation upon reading my contract. The misrepresentation is not even on my side but my husband's insurance. I have all this on email, the email of the 09/12/2015 when we requested the confirmation and of the 20/01/2016 when they actually sent, after another reuest