Questionable ethics - Discovery Insure

I joined Discovery Insure early this year and had my vehicles and house insured under one policy. I moved my business from my previous insurer to Discovery as they had better prices. Discovery has since, diligently debited my account on a monthly basis starting February 2018 to date. The policy I took up for my cars covers me outside South African borders. One of my cars was involved in an accident in Botswana in May 2018. I contacted Discovery Insure who advised me to take the car to a panel-beater in Wynberg Johannesburg [a company that has since told me they don't do business with Discovery and therefore do not understand why my car has been sitting at their premises for over a month]. Upon assessment Discovery has refused to pay for the damage to the vehicle due to that fact that the accident was in Botswana and that the car is used in a neighbouring country, a fact they knew of before the accident. Discovery Insure now say that even though my insurance policy covers my car when driven outside the borders of South Africa they will not pay for the damages to the car. My question is then.....what exactly am I paying for if Discovery can simply do a 360 turn and decided they won’t pay out on accidents that occur outside South Africa? It is wholly unjust and *********