Bad

I have been paying this people for 2 cars for years, never claimed, now the windscreen got hit by a stone and it cracked. I phoned them so that we can replace the windscreen and what do they tell me. I have to pay in R750 then they will replace it. So for over 3 years i paid and now i want help and they want me to pay in R750 and it will cost me R850 to do it myself. So for more than 3 years of paying kind price cover 10% of the damage and i still have to cover 90%. Why the hell will anyone cover with them. They are quick to take the debt order, quick to do a quote, quick to phone back but when one needs to claim they are the worst people to deal with.