Shortfall Cover, Scandal at Miway Car Insurance

I was insured with miway for my Polo TSI,on taking the policy i requested for a shortfall cover, the person selling the product to me never explained anything about shortfall cover having anything to do with extras on the car

On the claiming process when my car was a total loss, the claims adviser requested fro my contract with the bank and said the shortfall cover wont be included in the settlement since the were extras that were not specified

(1) The contract between me and the bank was never requested until such a time when i had to claim (2) The miway sales people are always ready and fast to sell the product without making the clients know what they buying (3) For two years i knew that i had a shortfall cover on my policy until the day, i had a total loss, and i was left with a shortfall and in debt (4) For the past 2 years the shortfall cover premium was deducted, from my account when else, i didn't qualify for it because i didn't mention extras on the car (5) I was not happy about the way my short fall cover didn't help me and when i have been paying for it for two years