Not happy with the claim process

I am very dissatisfied with how my claim for the vehicle’s rear side window has been handled. I need assistance in understanding how my claim amount is quoted at R1,137, yet I am required to pay an excess of R1,100. This would mean the cash settlement amounts to only R37, which does not make sense to me. I have consistently paid my premiums every month without missing any payments. Now that I need assistance, I feel that I am not receiving the support I expected. I am extremely unhappy with this situation and would appreciate a clear explanation.