Car insurance Claim

I have receive extremely poor service from above mentioned insurance My car was involved in an accident on the 5th of December 2017 which I logged a claim the same day.. When I took this insurance policy I disclosed all details of the driver and the car. I also mentioned that the vehicle will be use for uber transport business and that I have app**** for operating licence from Transport Department and they have issued me the receipt. Now during the claiming process Stephanie from the Claiming Department told me that my policy was changed to cash policy on the 1th september 2017. I did not get any sort of communication from any of their consultant to explain the changes on my policy, I just found out about the changes now that I'm claiming. The level of service I have receive from my insurance during the claiming process is extremely poor. I did not get any assist to tow the vehicle to the panel beater to assess the vehicle, I had to organise it myself. Stephanie gave me the panel beater contact details where I have to take the vehicle for assessment. They did assess the vehicle and send the quote me and to my insurance. The total cost was R79 034 from the penel beater. Today I receive the call from Stephanie stating that they have concluded my claim and The total payout was R51000 but I will only receive R21000 because My driver licence is less than Two year and that I dont have a operating licence. I am extremely disappointed with the level of services I have receive starting from Yandiswa My port folio Consultant and Banita from Claiming department and lastly Stephanie. I can't believe my insurance policy can be changed without any level of communication, I did not sign verbal or written for any changes on my policy. I just found out about those changes now that I'm claiming. I will take this matter further by reporting it to the insurance Ombudsman as well