****** of insurance

This is the worst insurance I have ever come across. I have been insured with them for more than 2 years, never skipped a payment. I had 3 of my Uber vehicles insured with these ******. My one car, Honda Brio, was involved in an accident, come claim time, they stripped the quote for fixing to the bone, I'm not sure how they calculated. On top of that, the deducted an additional excess amount of R20 000 because I do not have an operating license. No one has an operating license from Uber because they have not finalized it with the department of transport. Uber accepts the application receipts that we get when we go apply. I provided the insurance with all the correspondences relating the application. Their claims handler even sent me an e-mail of documents needed to finalize the claim, one of them being Operating license/Uber profile screenshot, meaning I can either give them the screenshot or operating license. Screenshot plus all proof that I have been following up provided. Why should they penalize me for something I do not have control of? My vehicle had a second accident and was written off. Another R20 000 deducted. So the first claim, they had to pay me around R8400 after deducting all excess. I'm left with a shortfall of R75 000 on the car I no longer have. R40 000 of that is the additional excess because I do not have an operating license. So I decided they pay me the R8400 for my first claim, they say no because my car has been written off? I'm going to my lawyers and to the media also. Everyone that has Uber insured with you, will definitely cancel with you should they hear what is in store for them. Reputational damage warning!!! I want my money. ******.