TERRIBLE SERVCE - TERRIBLE INSURANCE

I am so frustrated with Hollard, They are really the most useless insurance cmpany there is, I am paying my insurance every single month without hessitation , and my premium is not cheap, First off all, I am paying a access waiver on both our cars for the last 10years, I want to send my car in for Scratch and dent and also for the back of the bakkie to be fixed because some Idiot drove into me, So here is my problem, I went to the panelbeaters to get a Quote, They Quoted me for all of the scratch and dent in 1 Quote , My broker informed me that I need to get all the Quotes seperatly, So I did that , So there are 4 different Quotes, Now I need to split the Quotes on Email as well and send the emails seperatly as well, Hollard just does not want to pay , I will never reccomend them to anyone, They are really useless, If I dont split the Quotes or Emails I will pay a access of R3000 , Why do I pay for ACCESS WAIVER EVERY SINGLE MONTH FOR THE PAST 10 YEARS IF I STILL NEED TO PAY ACCESS, They are the most ***** people I have ever delt with, I WILL RATE THEM ZEOR STARS IF THERE WAS A OPTION LIKE THIS