WHY TO NOT GO WITH OLD MUTUAL IWYZE

I am extremely disappointed with Iwyze, in 2018 a women drove into the back off me and I ended up having to pay an excess of R8500. The said the will recover the money and once the excess is recovered they will pay back. In May when I called they had almost recovered R5000.00 and said I could take it now, or wait I said I will wait and take it December because by then it will be more and I can have some extra cash over the holiday. So last week I tried to claim the money back and they now say it has changed and I can't get the money back until all the money is recovered. It was a 40k claim so I'll be on pension before I can have my money and by the way at the time of my policy this wasn't a rule so I never signed this new amendment or was informed about it. What was the point of having them as my insurance? They are ******* and Boitumelo from Recoveries is by far the worst he doesn't respond to mails or even try for solutions he plain ignores a person. I also have proof on email from two employees stating I could have my excess back now they are spinning a different story. This is a shame I'll tell everyone I know to never use iwyze.