Budget must Pay

I Akhona Matshaya I'm insured with Budget Insurance for my Polo 1.0 TSI 2019 Model. I want urgent assistance that Budget must pay for my car that was on accident driven by my brother inlaw. Before I left the country I called Budget updating them that the car will be in Port Elizabeth in my sister's house and I gave them the address etc. I didn't change my city to be a regular driver because the premium went up. So I argued with the consultant why is it going up when leaving Gauteng province which is more risky than Eastern Cape Port Elizabeth. So I end up concluding with the consultant that yes my car I will leave with them and if anything happen I will pay additional access for them. Now Indeed something happened so when I was told the figures of additional access how much I must pay which amounted to R13500. So now the Budget insurance is declining my claim because I didnt accept to make my sister a regular driver but I was paying a premium every month with no fail the time the car was at my sister which is 1 month and half period the car is with them. Now I'm given 48hrs to go and collect my car at the premises they kept the car because they feel they not liable but I was paying them and they are aware that my car is with my family and I'm out of the country. Please I need help that Budget Insurance must pay for my car as I was paying my premiums with no fail. And the Budget insurance was going to recover the claim value from the third party who bumped me who is insured with a certain insurance.