DIFFERENCES BETWEEN TELEPHONIC CONTRACT AND TIME OF CLAIM

Good day, I have a major problem with the scratch and dent policy auto and general sells. When I signed up, I was quite clear on my call that I am confirming I can use a panel beater of my choice should a claim arise. I have now unfortunately had to make a claim and get told I have to use 1 of the options of the panel. this is now a falsified contract, my telesales conversation with the agent will reveal what was said and should be binding. I do not appreciate being forced to use someone who is not even in my area. Who fits the bill for fuel and time to get to them?? Another problem is, referring to the policy documents, it refers to premiums being paid in advance. yet the consultant had to wait for my current month debit order to reflect before processing the claim. Why do the details of this policy differ in so many ways? I have friends who advised me not to take up the cover as they had experienced the very same thing but I went with it as it was all confirmed telephoncially. they actually had to cancel their policies due to the many discrepancies. My contact number is ***.my policy number is ***