TERRIBLE SERVICE FROM NAKED INSURANCE

I registered a claim for an accident my partner had using my vehicle which has a full comprehensive cover from Naked Insurance, claim was approved but due to the minor damage to my vehicle & the cost of repairing my vehicle myself ( as the excess was far more higher than me getting it repaired myself My quote of R1200 against the excess of R2200 ) It made more economical financial sense. But I explained to them ,I would still need to settle the 3rd party claims as it was my partners fault, after submitting all the required documentation for the 3rd party claim.Everything was going smoothly until I enquired why are they only processing on 2 of the 3 vehicles for the 3rd party claims as there was 3 other vehicles involved in this incident.I was informed by the claim consultant, there was no mention of a 3rd vehicle involved. AT This point everything started to go sideways, as I remember pointing out during the video call when submitting this claim ,I did mention all the vehicles.There was 3 invoices supp**** & photos for 3 different vehicles, I then requested the consultant to listen to the recording & to send me a copy of it as was my legal right. This was refused & the consultant informed me they would need to do a validation on this claim & a Validator will contact me to make an appointment for a video call. I had & have no objection to making this appointment & I also explained to the validator it will be best for it to be a three conference call, as I was not present during the incident but my partner only. It was agreed by him & we just need to synchronize the time as my partner is a long distance trucker & it's difficult to have a stable network on the road. Which he agreed to . But I in the intern requested if he could furnish me with the claim recording as it would help me to refresh my memory as this has being over 4 months ago.It was refused, I then did a gemini & chat gpy ai search on this matter & I was astonished to realize that ,I the client need to be made aware of all reasonable questions & documentation required by them & They the insurance company also needs to act in good faith , This is not a fishing expedition, where they will think up things to ask & confirm.& They were also adamant about me having this conference within a 1 day notice or else he will submit a negative report to the claims department as to me defaulting on his time schedule.As per the laws & rules attaining to short term insurance, I am well within my rights to request all information regarding my claim. I was refused by all at Naked Insurance & even tried to request a review by Hollard the underwritters for Naked, which came back with a negative outcome, It has left me with no alternative but to lodge an appeal with the National financial Ombudsman & write a Hello Peter report on them as they are working against the good of all in the insurance fields. Their service to me on this incident is disgraceful.