Claim intimation by repairer after expiry of policy

A case come across

A motor car insured it is met with an accident with in the policy period

But the claim lodged by the authorised dealer after the due date
fitness expiry

And the same is insured again in time with the same insurers well in time as the vehicle is in garage after the expiry of FC

The vehicle is repaired at the repairers ( authorised dealer ) but the claim is denied by the insurers without consent any or any information to the insured

THE INSURED LOST THE INSURANCE PREMIUM AS WELL AS THE CLAIM AMOUNT

YOUR OPINIONS PLS

KBK ( Surveyor)