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kgm/wont pay out 4 stolen car

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i brought a car 2yrs ago,this april the car broke down,i left there and when i return it was gone.i informed the police my broker THE POLICY SHOP they told me to contact my insurace company Kgm At Lloyds . kgm told me that i would get a phone call and have a interview about my claim with a company called tcf Motor.In june i got letter from tcf motor saying following completion of they enquiries they decision on behalf of my insurer,not to pay any monies in respect of my claim.tcf says car was fitted with a transponder making it difficult to steal without genuine key.to bypass the system without an authentic key would require change of management unit.this would invole substitution of parts from identical donor car and require specialist knowledge and require significant amout of time and would be costly to the thieves,and have discount this method due to the condition of the recoverd vehicle. the car has not been recovered. they then say the key i sent them was sent to bmw and that bmw says this was not the correct transponder for my car and therefore could not have started my car,and that the car was taken with the genuine key,nd that my claim is declined. tcf motor told me that the car had been a cat b total loss-body crush in 2001 and a cat d total loss in 2003,i did not kown about this and it was before i brought the car.the seller of the car did not tell me about the two accidents. the seller was a trader.i am now got a complaint in process with my insure comp.however i am still paying my monthly insurance d/d,can i stop paying this-i have no car,i have fully comp could i change it to tpft while claim is on.i have not made previous claims and have over 9 years no claim bonus.

Edited by yardman
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