Discovering bad insurance

My job requires me to travel, and sometimes due to deadlines that means working late nights too. So obviously as a woman I felt getting a car would make my life easier,and so I bought a car. I took out insurance with Discovery. I unfortunately had an accident on the 1st of August, and by the following week, my car was assessed as a write-off. And so the admin started, I obtained the required documents, I sent them through to them, over and above a busy schedule, mind you, I had to call them to find out what they need to process the claim further. So the 15th of August came around, and a Discovery Insure debit went through, to my surprise, as the written off car was the only asset covered in the policy. My life is busy, and they operate during hours I am busy too. So I emailed the lady that was working on my claim to inform her of this, and to this day has not responded. So I again called the call centre myself to ask about this, and they said that I had to cancel my policy, so I asked how I do that and the lady said she would do it for me immediately. And so I reversed the debit. Well until this Saturday, 02 September 2017, when I got an email from the Chief Operating Officer of Discovery Insure, dated 25th of August 2017 that their records show that my account is in arrears and I have a 15 days grace period to pay otherwise they cancel my policy on the 30th of August(not 15 days if I count) and any claims will not be processed further.

This email landed on my account after the 30th of August for starters, secondly, they never bothered to call me throughout this period, I always call them. I inform them. Since the 1st of August, to this day, they have been dragging with even settling the amount they are willing to settle with my financier, it's been a whole month and I need to start devicing a plan for the way forward to determine how I will pay back the shortfall they are not paying for. So my life is currently on hold, I need a car because I travel a lot, but now I am stuck because I am still waiting for them as they seem to device a plan to get away with settling with my financier and still have my written off car.

I am never recommending them to anyone that is for sure, because taking in my car and assessing it was very quick, but where the service requires me to benefit has been a nightmare, considering that I had the misfortune of being in a car accident and I still need to go through trying to finalise it a month later.