Bad treatment by Naked insurance!!!

I got bumped by a Naked insurance client at our estate. We reported it to the police and followed all the rules. Then I received a third party claim form. I filled it and submitted it with all additional documents. Then they came back to me to say that they determined that a 76/25 apportionment of liability should be app**** as it is in line with existing legal authority. They said that their client is liable for 75% of my loss while 25% of their client’s loss is attributed to me. This was a bitter pill to swallow as the other driver was the one in the wrong and he admitted it as well. Secondly they said I must get quotes from 3 suppliers which I did, so each quote was around 19 to 20k. They then agreed to only give me 4k based on their apportionment rule and they sent me a disclaimer to sign to say that if I accept the amount I will not fight the matter anymore. They then said they are charging me for their client’s car hire during its repairs which is shocking. The amount was like 8k. I raised this and they defended their client and they said if I have issues I can challenge it ONLY through my lawyer. I felt tired and decided to just sign their 4k payment proposal because my car has to be fixed. Then they said it will take them 7 days to make payment; they then failed to pay within 7 days. I followed up and they said I should I should give them more days as they had technical issues with their finance dept. You call them they tell you they don’t speak to third parties, they can only chat on email. Horrible customer service, poor communication and sneaky behaviour. I was communicating with a lady called Pamela. I wanted to join their insurance but I’m worried about this kind of treatment.