DialDirect Total Nightmare!!!

<p>DialDirect Total nightmare insurance!!!!</p> <p> </p> <p>I have been with them for less than 2 months and unfortunately my car got involved in an accident. They were very swift with handling the claim and explaining that R7500 excess is required because of the duration of the policy being less than a year. I received notifications on the status of the vehicle and the sum of the damage and that it has been approved. I got a call again today from an agent at dial direct to tell me that I must pay R340000 because I said I had comprehensive cover on my other vehicle when it was in fact 3rd party cover. No offer to listen to the call as I think I did mentioned that my 1st car was on comprehensive when it was financed for +-6 years which I down graded to 3rd party cover only after paying it off and due to affordability cause the premium kept increasing while the value of the vehicle is significantly dropping. I got another car in 2015 financed and on comprehensive for 2 years until it was involved in an accident. I have never had uninterrupted insurance since 2005 till now whether comprehensive or not. The insurer claims that it helps them determine a premium I should pay and I believe that a premium should be determined based on claims history of which in my case I have had one for windscreen replacement a while ago. And if there has been a claim against me from another motorist. I have been with 1st 4 woman and Budget and they are sister companies to dial direct. That should count for something instead of them finding nonsense loopholes because I have been with them for 2 months. What upsets me the most is I'm an honest consumer and would never stay without insurance cause I know there is risk and as for dial direct to treat me like a dishonest person is unacceptable. Why authorise the claim and only after slap me with this ridiculous bill and not giving me a chance to defend myself. Where is the human element in all this. Can the senior management of dial direct contact me please... </p> <p> </p>