Happily deducting premium - no service!

I was subject to a hit and run road rage incident where a motorbikist decided to ram my right mirror and connections on my car. It has debilitated my ability to clearly see oncoming traffic when I am driving. I reported this to Discovery Insure but even on the date I reported this this consultant cautioned that my claim might not be successful due to excess. I wondered how she could assume the amount would be less than the excess when there had been no assessment. My vehicle was assessed at assigned coachworks - the analyst was very rude and dismissive - and as expected the damages claimed to be less than R5,000. Discovery has to date not sent me an assessment report by the way. So my monthly premiums which they diligently deduct seems to be paying for no service or benefits as I have exhaustively explained in previous complaints. I then attended an approved coachworks near me because I have to get this mirror sorted because apparently my insurance premium is for Discovery pockets only. The coachworks place Mullany's was surprised that a quote of R3k was provided as they said that alone would cover the mechanical mirror as its connected to the inside switch, also the indicator light is on the right mirror. I am waiting for this quote but I definitely am tired and exhausted of Discovery Insure and their bad service since day 1. My next complaint is to the ombud.