Auto & General Vallue Added Products

I unsatisfied with Auto&General's Vallue Added Products. I got into a car accident and A&G paid the car, the car had a shortfall amount left, so I turned to the Excess insurance to pay the rest. It took months to handle, I could never get hold of them, never available. I told a lady that I have been patient enough and if I do not recieve service, seeing as the bank wanted the rest of the money, I will report to Hello Peter. I recieved a call and the lady sent me the proof of payment which was not the amount on the settlement statement. Turns out there are alot of deduction from the vehicle purchase agreement that they do not cover such as registration fees, delivery fees, vehicle alignment(R10 000) and other deductions that adds up to some where in the total of over R20 000. These are apparently in their policy under a section which of the words i do not even knew what they meant. It was not explained to me that there would be deductions when i chose to go with this product and now I am left with money that i need to pay back the amount. I do not suggest making use of A&G Vallue added products. They do not cover the full amount and take ages to give feedback. They will not explain to you about the amounts being deducted. If i knew that this would be the case, I would have rather taken my vehicle to outsurance. Any future vehicle(Which I cannot purchase now because of money I still owe) Will not be taken to A&G again. I was satisfied in the start, only to be extremely disappointed at the end. I also asked the lady to explain to me about these deduction about why they were being deducted, the only answers I received were they do not cover it and that i need to refer to point 9 in their policy which states "we will not indemnify any finance charges." Which up to now i still do not understand what that means. I feel that this product does not cater to clients and that it is a typical "Hiden text" product designed to prevent the client from fully understanding the policy, as i was completely unaware of charges that will be deducted and that I was told that this product covers any excess amount still owed.