Tyres turn around

I claimed for a tyre that's torn, pictures and quotations sent accordingly but what i don't understand is why must one risk their lives driving with a torn tyre for 2 days as per their turn around since my car was manufactured with no spare.

so one must be in danger now driving with a torn tyre while waiting for the authorisation number, mind you the cover is not something i received for free its being paid.

I am not happy about this service, one of the consultant advised to buy cash and they will re-imburse me but will i be refunded within 3 days or I must wait for end of the month when payments are processed on their end to receive the refund.

There should not be turn around times for something like these as it could lead to accidents etc.