Car insurance

I have bought a car in March 2020 and take Dotsure insurance. This year September 2. My car had an accident while frequent driver was going home at 2h00 in the morning. The insurance promised to consider my claim however they did not wanted to pay. They said the car was not covered during 22h00 and 04h00, and that within the time when accident took place. However on the other side of their schedule we have and aggreed on it state as follows....when a car had accident within the above time, i would be asked to pay an excess amount of 10% of which is R20500. Now that i should do that and them take their part. They refused to pay. Please assist me deal with them so they could pay because the care is also in the banks name. I have never claimed before and i was up to date with their payments.