Miway Ripping Me Off

I have business insurance for my Uber car with Miway. My new driver was involved in an accident and Miway are deducting more than R54 000 from the payout. Replacement Cost (R140 700) – Standard Excess (R 10 000) – Additional Excess (R40 043.22) – New License Excess (R4000). Totaling to a payout of R86 656.78. The policy says that, "Where the person driving the vehicle at the time of the incident is not the regular driver and their driving licence is less than two years old", I pay extra excess of R4000. Now that has gone up to R40 000 and there is no explanation of how they arrived at that R40 000. I am going to lose 38% of the payout, on a business insurance, were the insurance company does not even care about your business loss, but is more interested on finding loopholes to pay less for my written off car. This is very sad and my experience with Miway is the worst I have had with a car insurance company.