Car insurance

I took out insurance for my BMW X3 with Alpha Insurance. In 2023 I was involved in a motor hijacking in Tembisa. Hijackers took my car and left me in the bushes. I opened a case with SAPS and the case was handled by DPCI. My car was later recovered by SAPS in a roadblock and it had bullet riddles around it. Alpha Insurance refused to do anything about my hijacker and constantly told me that SAPS is investigating. I approached lawyers the first time- Alpha was not cooperative or helpful to them- always telling my lawyers that the matter is with the Hawks. In 2025 I got new lawyers who wrote to Alpha demanding to know about my car and when they would repair it. My lawyers told Alpha that the Hawks investigation was long concluded. Alpha kept on hiding behind the Hawks investigation to delay or frustrate my claim. Eventually after my lawyers letter of demand Alpha Insurabce agreed to fix my car. This was in April 2025. Alpha booked my car for repairs at BMW Northcliff since then. Up to now my car is still with BMW Northcliff and they have done very little to no work. Alpha and BMW now claim the car has no head unit and that it was taken by the hawks during their investigation. Alpha Insurance now wants me to be the one getting the head unit from the Hawks when that is their responsibility as insurer. In emails to my lawyers Alpha Insurance has said thee only thing delaying and missing is the head unit. They have done absolutely nothing about the head unit. They have not even made attempts to contact the hawks or Crash Group. Email from their lawyer, Ryan Da Silva said they are not responsible for the delays in my car or the head unit. I’ve been without a car since 2023 and I have been paying my insurance premium every month without fail. I’m a medical doctor who’s paying for a car I don’t have. Alpha Insurance has never even bothered to give me alternative transport. This is very very bad insurance. Please stay away from them. I have since taken my case to the ombudsman.