Worse service ever!

I was involved in an accident last year October. My car has been with the panel beaters up until now, I'm without a car for 6 months now. No one seems to care about my frustration. Panel beating people as well as Dial Direct keep quiet, they only respond once I call them. They keep on coming up with different stories. The worse of all is that after an accident I received an email informing me that my premium will be increased from R1700 to R2500 and further than that, in these 6 months of not having a car, I am not provided with a courtesy car yet I disclosed that the car was used for work purposes. The two parties don't want to provide me with the car. Panel beaters told me that they only give their car only if it's their come back job. How on earth can I pay such high monthly premium for car car that I am not using for 6 months yet I am not getting a good service. I've lodged a complaint with Ombudsman now. I honestly treated unfairly with insurance company. I will never consider working with this company ever again!