Absolute disgust

Had a claim in this year due a truck losing its load on the highway. My vehicle was the i fortunate one to be hit by a reinforcement steel bar that pierced through my radiator, A/C Condensor and intercooler. I had no other option to pull over otherwise i would have faced the risk of over heating my car. MiWay refused to cover this as a 3rd party claim as i wasn't able to obtain the guilty party details, despite of the outcome they just couldn’t care whatsoever! A few months later down the line my premium jumps by almost R500 and i had decided to cancel my policy via their “wonderful” mobile app. Again I'm being debited this pathetic premium and i have heard not one word from them regarding this sudden increase. I will definitely inform friends, colleagues and even clients of this distaste for a poor insurer. They are more concerned about hellopeter compliments than actually assessing the situation at hand. Absolute disgust. If you won’t refund my premium, then i will reverse it.