Im partially happy with Dotsure

Im partially disappointed with dotsure. I made claim on 2022-05-30 and on 2022-06-13 was resolved but my issue is here. When i join dotsure im march this year i was never told so many things about the policy and after getting my accident and did my claim i was told this 3 issue (i) That my claim is below 6 months i must be charged 10% of the claim amount (ii) Secondly they told me that i got accident after 22h00 which also yhey charge10% And thirdly they charged me another 10% cause my car was write off and they charged me that 10% for claiming the amound about access fee. So those things has been giving me sleepless nights i cant cope at work im forever making errors,because with my knowledge is that insurance are on month to month bases so under my case it was not that way. They also told me they have two types of claim which one is the traditional way of claiming where they pay for you the panelbeater and you liable for paying access and second one was, they give money for amount of damage on the car then you fix it. Weather write of or still can be fixed. So i feel like i was not dealt in a manner which they promised me. My claim advisor Zukisanr was no way to be found as i made so many attempts to make him aware of this issue.