Premium Collectors no successful Claim

I would not recommend this company to anyone i care about. Their main business is rejecting claims. I claimed for my gearbox,asked them to come and assess it,they said my mechanic must strip it first then they will come,later he was told to to send pictures of the stripped gearbox and the claim was rejected based on the pictures,they claimed there was an oil leak. how do you conclude oil leak on a picture. they do not care only good at collecting monthly premiums. see rejection letter below. kindly cancel my policy if you take next premium will reverse it.

I had to fix the car for R21000 .

God be with you!!!