Excess

I took up one of the Value added services from Dial Direct, my problem is, with their tyre and rim it’s quite unclear what happens in a claim, the last time I tried claimimg the lady said I must oay excess of R300 minimum, for a tyre puncture……fortunately it was not a puncture but the garage had under inflated my tyre, so when I called back to cancel the claim I spoke to a guy, he said there was no excess payable for tyre punctures, I even checked on the policy,it doesn’t speak of excess instead it says “We will cover the cost of tyre repairs, limited to 6 events a year…that goes for balancing limited to 1 event, now today my wife tried to claim,she was told that story of paying R300 again, so I called in to find out if there’s excess or not, the lady was honest enough to say she’s not sure,she will find out and revert back to me…..how can Dial Direct say excess is R300 for puncture repair when their policy book say they cover the cost, even worse puncture repair is R100 at most puncture repair….the R300 to repair a puncture makes no sense at all