Putting the customer in the losing seat.

I need to take my car in for a dent that chipped the paint off so I claimed from the "small dents and scratches" MI motor combo. It doesn't come with a rental car. Despite me having to pay extra every month on my premium for a rental car. My car should be in the panel beater shop for about 5-7 working days. So that means despite me paying for a rental car every month on my premium. I now have to pay for a rental car out of my own pocket. It was explained to me that I only get a rental car if i claim from the comprehensive cover. I can only get a rental car if my car is in for repairs. Now what does Miway think is being done to my car at the panelbeater? For 5-7 days? I can't help but feel that this piece of policy was written to save money and make mega profits at the customers expense. I have now lost complete faith in Miway as an insurer that has my back when I need them. The amount they paid me also doesn't even cover half of what I need to pay the panel beater for the work. So not only am I only losing on the clain money I'm also losing when I need to have a rental car, when my car is at the panel beater, which I pay for every month with my premium. I will change my insurance as soon as I get my car back if this is not sorted out as this is not the first time that I found policy that puts the customer in the losing seat.