Worst insurance ever.

I don’t care who says what IWYZE are ******. They never want to attend to claims. When they do they come up with all sorts or stories not to pay. I have been paying for scratch and dent for years now. Every time I try to claim they make sure the quote is above the threshold but below the comprehensive insurance excess. The don’t cover lights. They have all the delay tricks in the book. It’s more than a month now waiting for my claim to be attended to. I have paid more R80k on premiums but my car looks like I don’t have an insurance. My son closed the gate while I was going in I was told because there was no third party involved it’s double the excess. I have never been so fustrated. How do I change insurer with a car covered in debts that my current insurance finds every reason in the book not to repair? It sounds like I’m better off in an accident that with few bumps here and there. A lot of these we pick up in the public parking areas. I’m still waiting for them to do a simple thing and respond.