Worst service ever from Hollard car insurance

I really experienced a bad service from Hollard under writen by absa insurance company ltd. I have insured my vehicle with Hollard. The car is giving me mechanical problem and the only way to get it fixed is to tow it to the dealership. So I called Hollard requesting for a tow truck from my home to the dealership which is about 110km away. I am staying a small town which I tried to take it to different places to get it fixed but I can't get assisted. The only way to get the vehicle fixed is to take it to the dealership. So they told me that they can only tow it within 40km and from there I'll have to pay R1400 because the vehicle is out of Warranty. I spoke to a guy by the name of Valentino January from Hollard who was very unhelpful, he said that that's the only option. I seriously feel that I am going to have a problem with hollard. I can't be paying my monthly premium and again pay for the car to be towed. I am only willing to pay the dealership to fix the vehicle. Just because I stay far from the dealership, this insurance will be useless for me especially when I need to get the vehicle to the dealership.