Day light robery from Absa.

I am really irritated at Absa at this point. First and foremost, ever since I claimed on my dent and scratch cover it’s a problem. They don’t have a list of approved auto body dealers that one can use, you are being transferred from one place to another to get assistance. You must call around to get your own auto body shop which needs to be approved, which takes time and you need to claim within a specific time. Now when I am trying to claim I am being told that my policy has laps due to nonpayment. They never deducted the money from my account this month, so I am unable to claim on my policy. Something seriously wrong here, don’t ever take out a policy with Absa, go to another bank (sure the service is better and there is integrity). Absa doesn’t have integrity at all. I expect to hear from them, I will not waste my day calling and being transferred from one place to another. The documents that I have clearly state Absa is the Insurer, I don't care who sold me this policy.