1st for women is exploiting people!!!

I'm insured by 1st for women, 2 weeks ago I had a car accident and submitted a claim to them. They told me to take my car to one of their panel beaters, only to find that they they want to put alternative parts to my car, not original parts. I drive a VW car and paying premiums based on my car's brand and spec. They are saying they use alternative parts if the car is out of warranty. For starters I was not notified of this when I took the policy and this is not specified anywhere on their terms and conditions. They don't even ask if the car is still under warranty when you are taking the policy, as it is not a factor. it's only a factor when you claim. I'm paying the same premiums as someone who still has a warranty. I guess I should be paying reduced premiums since my car is no longer a VW car since it came out of warranty from last year. This is by far the worst service I have ever received! I don't even want to comment on the incompetency of the people at their call centre!!!!