Increased premiums and a decrease in service

In March our premium magically increased with R500, after phoning IWYZE they said that this was due to an annual review and they apologize for this and next month it will go back to what it was. Thus, R500 down the drain, for what, they could have contacted me beforehand. Also, in December already I submitted a claim for my Toyota Corolla. IWYZE said that the claim was approved and that I need to wait for the panel beater to contact me since I may not use my own panel beater. I haven't heard anything back since and last week Wednesday I phoned again, to which IWYZE apologized and said that they will submit it again and someone will contact me. No one has contacted me since then again and my car is still not fixed because I may not make use of my own panel beater. Even though they will pay me out the difference between the claim and the settlement, I don't want to take that risk on my self because it could very likely end up costing a lot more, and that is exactly why I have insurance. I feel that because this claim is four months old and no -one has contacted me, they can really allow me to make use of my own panel beater without the mentioned conditions.