Poor service and failure to admit that their underwriter has not done his advise properly

I'm Elizabeth, I think these company are amalgamated and trying to confuse client when having problems as even on their documentation all 3 company appear, I took two months for me to get feedback for my claim that I lodge as my car was in an accident and I reported the incident to them as I have car insurance, they failed to admit that the underwriting was not done in full as I was not asked if I have a nominated driver or maybe asking their details, so they rejected my claim because of that and telling me that if I'm not satisfied I must write my complain to the ombudsman. I suggest if someone was about to take insurance with this three companies please don't ever.