Unhappy Customer

On the 26- November 2015 my car crashed and i called Affinity for road assistance and they took my car and left it at Finesse Panel Beaters Address:277 Point Road,Durban, tell ***,***,*** and i keep on emailing calling them they take their own time to reply and sometimes they dont reply to my email nor answer my calls and they tried to make an excuse that in the month of November as my policy was effective on the 01-November 2015 i did not have a cover because they did not take premiums of which it was not my problem as money was there in my account and in December they double debited me meaning its November and December Premiums and till today they have not sorted anything with my claim my car is sitting at the panel beaters accumulating storage and nothing Affinity has done to get it fixed PLEASE HELP me.