Complaint about Nedbank insurance FSP 41104

I am currently insured with nedbank insurance,FSP no 41104. I Had a claim with them in July 2023 after the snow in joburg. My car was eventually taken in to a panel beater near me. Getting the car hire was quite a challenge. I arrived at Europecar braamfontein in the morning of the 7th August where I was told my insurance has not yet made arrangements, after waiting for hours Europecar received arrangement communication but could not issue the car to me due to my license being less than 2 years. After struggling to call back my insurance, I was eventually informed that I can take the car but there is an additional excess that will apply should I be involved in an accident with the car hire on top of the Normal excess applicable due to my license being less than 2 years old. This was not communicated to me when I took the cover. I took the car and left, 30 days later which was on the 7th of September 2023. I received communication that I need to bring back the car hire as it has expired. I tried communicating to my insurance that my car has not been fully repaired yet, but the lady I spoke to sternly informed me they are not able to extend the car hire because I selected 30 days instead of 45 or 60 days. Both options were not presented to me only the 30 days one was given, I would have taken a higher number of days had I been aware it's available as I always insist on having the car hire. As I type this I am frustrated and stressed that I will not have convenience of a car until mine is returned if I don't extend the car hire . Which is also waiting for the insurance company in question to authorize the purchase of the parts required by panel beater. The panel beater informed me that an assessor from nedbank insurance was there on Tuesday to verify required parts. I am now faced with the responsibility of using my own money to extend the car hire duration. Needless to say, I am quite frustrated and very unhappy with the claims experience I am having with this insurer. To think I had been speaking so highly of this company before, it Is quite dissapointing to go through this. I should be working but how can I focus on my work while faced with such a stressful situation