Car is with the insurer (preferred Dealer) for more than 8 months, going for the year with full insurance debits , not courtesy car. Poor service from the consultants.

My car has been at the dealer since last year November 2022, with no courtesy car. Claim approved end of November, the insurer never bother to check if the car is fixed or not. After numerous calls to get clarity from the consultants, they always claim to escalate the issue but never bother to give update. Instead of giving me a piece of mind they giving me a headache. I lodged a dispute and the lady was supposed to answer me by the 23rd of June. I had to start sending emails again for her to only reply on the 28th of June. They keep debiting the account for the car that has been with them for more than 8 months and i dont even have courtesy car from them. What am i paying for cause the car is in their possession and the risk is not with me but them?