Great service but not 100% happy with claim paid

The consultant i worked with was fabulous. He went out of his way to make sure my claim was submitted with all required information. I will give me a 5 out of 5 for service. Reason why i’m not giving a 5-star in this review is because Bidvest paid 60% towards my claim. Really upset at the Ts and Cs that insurers put that are never translated into laymans terms to clients to understand. So honestly, not worth it. If my tire is damaged, it’s damaged. You cannot not pay the full amount because it was still deemed a good tire. That’s why insurance is there, for accidents. Potholes are an issue in SA hence it makes zero sense for such Ts and Cs.