Pay your monthly premium but don't expect us to pay your claim

After claiming for a compressor that was damaged by useless ********* through our brokers, Bryte insurance has a problem paying out the claim. Our equipment and the compressor on its own is covered, but according to Bryte, not the nature by which it was damaged and we are not insuring with them for more than a year now. We were previously insured by another company but because we thought to get a better cover for a better premium, we changed from service provider. What a bad choice. We are going to give our broken instructions to cancel the policy with Bryte and look for a more reliable company. What does it help to have insurance and pay your premium every month on time, but when you really need them, you can't rely on them????????