Everything wrong with insurance

Policybazaar sold me personal accident insurance without asking me for the nominee details (booking date: 28 May 2023). Their system, as of the aforementioned date, is such that they do not ask for the nominee details at the time of signing up. The insurance was provided by Kotak General Insurance. Both the companies have enabled that system. I decided to cancel the insurance and not buy from both the companies because guess what happens when you suffer an accident and you lose your life? There’s no nominee.