Mvia insure

Worse service ever. I never opted for this company was transferred by the previous company after paying for more than 8 years and I have never claimed before.My car has an alternator problem and they are paying a quarter of what the dealer is requesting. I requested that they should rather give me money so that I can take it to other service dealers. They insist that I should get a quote and resubmit. Even when I explain that my car is not drivable they still insist of giving them new quotes how?