Budget refuses to extend my courtesy car period due to their administrative delay

I just felt to share the most disturbing experience I had regarding my claim with Budget. I'm insured with Budget from October 2019 .On the 6th November 2020 I had an accident and submitted my claim, 10 days after my submission I receive a call from a consultant- Patrina Rampersadh she informed me that they are high possibilities that my claim can be rejected because prior to joining Budget I didn't have cover meaning I should have had uninterrupted cover or then upon taking the policy I should have disclosed that I didn't have cover .Now I asked them why would a person take a vehicle insurance -various reason it's either for a compatible qoute and switching insurance or because you are not covered and in my case I didn't have insurance and I was previously insured by Budget but then cancelled it due to financial reasons that time.

The consultant said they will have to find the records of my convo between myself and the consultant in order to determine if I disclosed that I was not previously covered and escalate the matter to management to make a decision.On the 20th November I received an email from her with the transcript recording between myself and the consultant- Camren and was told they will give me feedback on Monday.Listening to the recording I clearly disclosed that I wasn't covered hence my call.This cat and mouse game was causing me sleepless nights and anxiety thinking of this 46k repairs if they rejected.I began to share this experience with friends and colleagues and 80 % of the feedback I received was that you will end up taking BUDGET to court like some of the unfortunate clients who never got paid their claims. I had taken time to listen to this 29 minutes recordings and I really felt being a potential victim to their deceiving game.Awaiting for big fate the following Monday anxious and distressed to take a call from Patrina assigned with my claim.We began the cat and mouse fight again and I referred her to the recording where I disclosed -thinking I had won the battle She told me that she will call me on Wednesday with the final outcome from management.I must say I had the most horrific experience with Budget and really felt victimized now my fate had to be determined by that Wednesday call I was then apologetically told that the error was on the salesman side he should have qouted me for for a high premium since I had no cover so they apologized and assured me that for future claims I won't have any problems because they have updated my history.

Now the next big question I asked Patrina now with such a delay will they extend my courtesy car period since the delay was on their side because this matter had taken almost 20 days and my vehicle has not even reached the panel beaters it was still stored at the assessment centr and Im due to return the vehicle on the 7th December she concurred with me and said yes they will have to assist me because the delay was with them.

Yesterday I passed by the panel beaters and I was told this job can take up to 20 days .My car not even started they said they received the car 3 days ago and they sre still waiting for car parts. Budget is now refusing to extend my courtesy period making an excuse that there was no delay but they were follow basis procedures.I told them on Monday I will not be returning the courtesy vehicle until my vehicle is completed by the panel beaters and I dropped the phone.I am so highly frustrated.

Budget is this what you call excellent service driven by honest and integrity ?