insurance that does not deliver service to clients MIWAY

I made a claim for my car which I had a breakdown via the app and the internet on Saturday night and waited for the insurance and called again for the progress and no show from the insurance. I ended up calling someone to help with the my car and had to pay for it from my pocket, my question to the insurance is the fact that they did not help on my problem and I'm demanding a refund for all the premiums that I have paid because what if I was in the remote place it means, something bad could have happened to me or my family member. They only send someone on Monday afternoon responding to a call claim that I made on Saturday. NCR and NCA say that a client must pay for the service received and in my case I paid for none service, so I need all my premiums that I paid to miway insurance for failing to provide me with the service I'm paying for, please me to get my money back and cancel the insurance. I claimed via the app because they said it will save me R1000 on my access hence I did it from the app.