Claim *** pending for more than a year

I have a discovery insure policy, In September 2016 I bout 2 new vehicles that had to be placed on my policy. I removed the two old vehicles and added the 2 new vehicles on the policy no other changes were made to the policy. In November 2016 my wife had a minor accident. I went for a quote and it was approved but with a R3000 access. I have been on a zero access ever since I took out the original policy with Discovery. I had a similar incident prior to this with one of my old vehicles and won the case. They revised the policy and adjusted my premium. I have been on the phone with one of their consultants so many times that I have lost track. The last time was 19 December 2017 @ 9:20. The feedback was that if you update your vehicle on the policy, you have to specify a zero access and car hire again. This was not explained to me and I requested the sales call witch Discovery said they cannot give to me. According to me this is very bad service, I have been going around with a damaged vehicle for more than a year. Discovery does not at all care about the little guy. I Am currently Paying a premium of more than R3600 for two vehicles and house content.

Please assist!!!