Poor service

I have been insured with Momentum for approximately over three years. I have since been severely financially impacted by COVID-19 since April 2020. In April I phoned momentum and informed them of my financial situation and they indicated that they will freeze my cover for 3 months which should have been May, June and July 2020. However I was not even happy with the fact that they didn’t even present options for me. Instead they just opted to freeze my cover meaning I would have zero cover for all these months. Then regardless of the arrangements I made, they ran debit orders on my account after I have told them not to do so. Then there was an email sent to everyone saying they will reduce the premiums by 10% during the lockdown period. When I joined Momentum, I had been traveling to work every day Monday to Friday and then personal trips on weekends. Since the 26 March 2020, I have only been to work twice. My car is on standstill, mainly parked in the garage except only for getting essential services. I then informed them of this drastic change in travelling. The response was ok mam, we will reduce your premium by R70, which is even less that 10% of my total premium. When I took insurance, I was told that the more the car is on the road the higher the risk. So one of the factors of determining premium is how often you travel and where. So someone explain it to me, how does travelling reduce by approximately 90% and premiums only go down by less than 10%? That’s just one issue, but what was a stab in the heart is the fact that Momentum didn’t even consider to present options during my financial constrained period. There could have been tailor made solutions for each client and even consider to lower the benefits but NO I was told we cannot help you.