Disappointed and heartbroken

Very bad experience. Car is a writeoff, claim declined but I didn't consent incident driver. I asked for onbording recordings to listen why my claim is declined they told me to open a link. App is also difficult to download a policy contract and not user friendly. Terms and conditions are videos which requires data. 2nd reason was also regarded as fare collecting user but the vehicle was used without my consent on a Sunday and there were no kids inside either. Contract has hidden links of terms and conditions that I can't open even today. I liked because of positive reviews don't want to lie. I overlooked wht I've heard pple saying they were good in smaller claims but when a bigger problem happen they distance themselves. I believe the same now. Am paying an optional cover for courtesy car that was granted for30 days. After declining my claim I was told by investigating officer to return vehicle within 24hours of which I did. 21 Oct 2024 but today am sitting with no car. Let alone being shouted at and not being given a chance to even finish a sentence, you'd swear there is a personal vandator. If I my put it correctly, I felt so small especially when words are put into my mouth like that. Words like "Yheee sis kudala ndikuxelela uba yeka ufonela mna" Yhoo am shattered and very disappointed . I was very cooperative in terms of all the information that was needed but the way it was biased is on another level.