Why Pay for Rental Cars?

Though my claims were approved not a single person from Discovery offered me the rental car option that I pay for on my premium. After 3 days of phoning, both Discovery & Avis, Avis against my instructions confirms a collection of the car from Rand Airport instead of delivery to the Panelbeater. I phone Discovery who phone and then mail the relevant department. I am told a delivery will take place at the Panelbeater at 6h45 today. No car was at the Panelbeater. I phoned Discovery, nobody can help till 8am. I phone Avis, they confirm delivery at 11h00. I find a lift to work. I phone Discovrey, again, they tell me no car is showing as being ordered on their side. I give the booking confirmation number. It is insisted I take delivery at the Panelbeater at 11h00 as i agreed to it, which I have not. I insist Discovery ensure I get delivery at my place of work. Have no idea if this will happen.