Refusal for payment of GAP - Plus cover

I have never had such bad service from any of my insurers. On 26 January 2016 I was hospiatlised for a cervical spine problem. Soon after my wife was hospitalised for an asthma attack ( 08 April 2016) Both of us underwent X-rays. The excess that I had to pay was R3820,00. I had submitted a claim to AMBLEDOWN via my broker a few days after the incident . To date AMBLEDOWN refuses to pay the amount stating that the claim was a late subbmission. I have proof that I had indeed sent the claims form to my broker on the 18 February 2016. ( for my excess) I am now R3820,00 out of pocket - I suggest that if you are thinking of taking a GAP cover rather not do it with AMBLDOWN. They are very slow and the blame falls on you. I would never refer AMBLEDOWN to any of my colleagues or family.