Over Priced Insurance

After receiving a quote from Dot Sure (R 3 400) for a 2022 Toyota Hilux D/B 2.4 GD6, I has informed that I may not drive after 8 PM (20:00), if I travel more than 1000 km I will not be covered after that, no hail damage cover, excess amount of R10 000, no tyre & rim cover, and no cover for dents and scratches. (the better cover was at +- R 5 000 pm). I believe that they are robbing their clients and these prices are ********. I would advise anyone to consult with Discovery Insurance as they would give you double the benefits (car hire, tyre and rim cover, hail damage, much higher 3rd party liability cover etc.) for half of the premium of Dot Sure