ABSA iDirect contract breach

I have been an ABSA iDirect customer since 1 October 2011. (Policy No ***) I have paid in total R119 104 in premiums since then. I have not claimed on my policy once, never, not one cent. iDirect has an ibenefit bonus system, that rewards claim free customers after 5 years with a yearly 20% refund of their premium. The Terms and conditions state that the "ibenefit rewards will be paid to you within 45 (forty five) days of the due date". My due date was thus on 1 October 2020 and 45 days later would be 15 November 2020. I did not receive my bonus and emailed iDirect three times (2 Dec2020 Case Ref. No. C-***2) and also emailed ABSA Private Bank actionline and also phoned iDirect and lodged a formal complaint on 18 December 2020. I was informed that I would get feedback within 5 days on various occasions. Nothing! Not a word and no ibenefit bonus. If this is how they treat loyal customers that never claim, I dread to think how they will treat a customer that claims on their policy. Clearly they ignore their own terms and conditions and are therefore in breach of contract.. I now have 3 options: 1) Insurance ombudsman 2) Small claims court 3) Cancel my policy. Without urgent feedback from iDirect, I will evaluate my path forward.