Uneconomical for MiWay to recover my excess

I have been a MiWay client for more than 7 years and MiWay have collected premiums from me to the order of R 156 000.00. During this period I have not claimed once from MiWay. On an incident involving the vehicle windscreen, I claimed from the other vehicles insurance.

On 15 July 2016 a vehicle drove into the back of my vehicle. I took the registration and detail from the person and reported the incident. My excess payment was R4000.00 and I paid to repair the vehicle. I continued to follow up with MiWay for the recovery of my excess. MiWay was slow and I had to ask. On 2017-05-10 almost a year later MiWay sent a letter stating they are still in the recovery process and with a lot of first payment processes and on 2017-05-22 they advise that they were unsuccessful and I had to claim against at the claims court myself. They closed the file and added the steps to follow. I wrote back to MiWay (2017-06-14) enquiring about the steps, and documents they have sent to the other party, to ensure that I can prove to the court that the other party did not co-operate. MiWay did not reply. On 2017-06-26 at 09:52, I spoke to the Winile regarding the documents I require to proceed in small claims court, and she advised me that MiWay only spoke once to the other party telephonically and did not get a favourable response. They did not even have his physical address of the other party and never sent him a letter of demand or nothing. I found that to be unsatisfactory and requested that they act on it. On 2016-07-15 I followed up with MiWay and then Winile passed me to her supervisor Violet. Still nothing was done and then Violet told me that MiWay is not going to spend any money to recover my excess. Litigation will cost more than the recovery and I must understand that it not in MiWay best interest as a business. I said that I will ask the ombudsman to review my case, since MiWay did not even sent a letter of demand. Immediately after the conversation I receive correspondence that MiWay has sent a letter of demand, the case is not closed, but it is still uneconomical for MyWay to recover my cost. On 2017-10-25 I received a letter that could not recover the money and closed the file. Therfore I paid R 156 000.00 in premiums and MiWay cannot recover R 4000.00. I have to do it myself. Please judge if you would like to insure with MiWay.