Is it more inept than morally *******?

Every 6 months for many years Wesbank emails me to request a copy of my car insurance. Although excessive, they are legally entitled to so that is not the issue. In their email requesting these documents they note that they had tried to contact me unsuccessfully and because of this, instead of confirming insurance over the phone, I know have to provide them with extensive written confirmation. The issue is they don't even try to contact you. No missed calls ever, no voice messages. I take this up with them every single time and have yet to receive a response. The onus is now on you to show that you did in fact try contact me. If you have not, then you are in breach of your own contract through acting in bad faith. Despicable and inept company.