Worst service from Discovery car insurance

I got the worst service from discovery car insurance yesterday. It was my first time having a breakdown and they only covered me 20km and told me I have to pay R700 to get to my destination. Wats the point of having insurance when they only cover 20km. when i contact discovery they told me they will contact the towing company and contact me back to give me the details but never I had to contact them.also it took almost 2hours before the towing company came. I wouldnt see a point in having discovery as a car insurance and I am cancelling my policy with discovery.