Bad Customer service, Bad Insurance.

i called to submit a claim and was advised to take my car for inspection. upon inspection i was told i have to submit a claim again. i did exactly as i was told and i spoke to a lady, she then advised me that i must make quotations so can compare it with my excess if its above my excess then i can claim. then i figured it out that its above my excess i then phoned to register the claim and them i was told after 30 days from date of incident a claim cant be lodged system will automatically declined it