Disgusting service from Discovery Insure

I took my car to the car wash and they broke the sun roof. I submitted a claim with Discovery, they requested I take the vehicle to the assessor I did so and they told me they could not assess the damage and would write to discovery. After weeks of no response I called to find out that the claim had been closed as the assessor said the damage was less than the access. When I told the consultant that I had taken the vehicle to other parties I was asked to take the car to VW and they expected me to pay for the assessment? The consultant then said I should get the report from the people which I did. Yesterday I received a mail saying they want a report from VW again and that I need to pay in order for Discovery to decide whether they would pay the damage? The service is appalling in the interim the rain is damaging the vehicle. If I did not pay my premium they would not cover me. Disgusted by the service they doing nothing about the claim but sending the admin back to me the whole time. I’ll be taking the matter further and will not leave it