Hollard Motor extender service and process are shocking when they are the ones that had to pay

I took the Hollard motor extender policy from 1st May 2015 and its only now August 2018 that I laid a claim to them. First they never gave direction to the dealer till it lost its patience. I took the matter to my self and try following it up my self. Each and every day I had to make calls to follow up on the progress of the claim.

I was then advised that I must tell the dealer to call them and advised them when the vehicle is been striped so they will send their assessor to check the vehicle. As I was making that arrangement with the dealer so they can get the date and time of when the car will be stripped as advised by the insurer.

I got the email that claim has been authorised with not even an amount closer to what was quoted on the items that are covered on the insurance.

I just don't know how to deal with this because I am sitting without a car which I took insurance for instances like this. and I don't have an energy to be constantly following after this as they will not think twice when they want to deduct what is due to them every month.