Tyre and Rim Insurance a ****

I took out tyre and rim thinking with the road conditions it would be a good idea. First off they say they will renew your car license when the time comes, well the time came and went and I heard nothing. Now after paying this for a year I claim for a tyre after getting a flat hitting a pot hole. I was told to just get it replaced and submit the invoice. This I did and heard nothing for a week. I phone to follow up and I’m then told I have to first put in a claim via the app - I do this too another week nothing happens. I phone again and get told I have to send required photos of which I do except the punctured tyre as by now I’ve got it replaced - after nearly 3 weeks, today I’m told after I phoned yet again to follow up that they only paying R 500 of the R 1960 because I didn’t send a photo of the tyre. My calculations I’ve paid close to R 3000 on this **** and am getting a refund of not even half the invoice. The app is absolutely pathetic as they don’t answer anything on it .. you have to keep phoning and following up. 3 weeks for a claim - utterly disgusting!