Dial direct and TIHSA are a terrible insurance

on the 10 Feb 2024, I met with an accident, and when I claimed through Dial Direct, I was told I was only insured for about 20%of my car value, which I am certain I was not informed about. When I complained and asked for the sale recording, the complaints department sent me an email saying they listened to the recording and I was informed according to them. I told them to proceed and I will pay, but will contact the ombudsman because I have not been provided the recording, they ignored this email. two days ago I received a notification email saying the person who bumped into me was insured and the money will be recovered and I do not need to pay, 20 minutes later, I get another email saying the person is not insured and it will take up to 6 months to try and retrieve money. I sent them a response asking which is true and which is not, heard nothing from them. it is almost two months later and work has most probably not even started on my vehicle, and i will most likely be expected to pay for storage while Dial direct has been trying to cheat me. I was insured with Budget, and was paying less than Dial direct for full cover, why would I take less cover at a higher premium? that does not make sense. Only a fool would do that. Now I find out that Budget and Dial direct are owned by TIHSA, Telesure holdings, and now i understand why so many issues and *****ery is happening, because I had the same issues with Budget. Dial direct has still been taking my premiums for a car I do not have and that they are not willing to provide info for. almost as if I am being held to randsom This is what our country has come to, so now it is best to try Outsurance, many people say they are much better. Heed my bad experience, stay away from TIHSA (budget, dial direct and who else they own), just a bunch of con artists anything to get a sale and premiums, going to go to the bank and stop the debit order now and will take this to the ombudsman and courts if I need to