No customer care - Misleading and Dishonest Dealings

If I could rate a negative 5, I would. Stay away. Summary: Ensure you know your rights as a consumer because their motto is to protect themselves and their margins first. My vehicle claim was declined and their reasoning was not in the policy nor enforceable. Their assessor Francois Verway, further damaged the vehicle while assessing it and they refuse to pay for the costs. Claiming the damage was not caused by the incident. I took the car from the impound facility, repaired it myself, while awaiting response from their internal Ombudsman which took around 3weeks the claims department withholding whatever information the Ombudsman was requesting. Post follow ups the claim was reopened as the reasoning for declining the claim was an unfair, misleading and unjust conduct, that they claimed was their policy which cannot be found anywhere in their Policy document. I sent the quote for the repairs they refused to settle the cost, only paid what was assessed and quoted at the impound which was unfair as further damages were not seen by the naked eye, only discovered during repairs. From a safety and regulations perspective, a vehicle suspension needs to be repaired or replaced in pairs same with the front tires. They refused to pay the full repairs because they included both front left and right suspension costs and the sensors that the assessor damaged when assessing the vehicle (The exact words, we only pay for what was damaged). The claims consultant Beauty Skhosana was very friendly and helpful at first, then was not even remorseful when delivering the news that the claim was declined. When the claim was reopened to pay the claim all the friendliness and helpfulness had suddenly disappeared. Nonetheless - I have since cancelled my policy which had car, household and portable content cover. I am sitting with debt that arose because of the declined claim which I would not have incurred should the claim been approved from the beginning. I have to bare the ramification of the avoidable finance costs. The vehicle was not restored to the standard it was at when it was insured - which that is the promise of insurance companies or am I wrong.