Non- Disclosure of Additional excess and courtesy

I was surprised when I recieved a call from the Repair informing me about the R11,400 excess that I need to pay. I them phoned the insurance I was told they made a mistake I will only pay R6400 and then told the person I was only informed about no excess policy, If my claim is more than R5000 I wont pay any excess. But if less than 5000 I must repair on my own. Fortunately, when I phoned the lady put me on conference call with my fiance since the car was on her insurance (1st for women) before we changed, and other reason for us to change the sales lady told us to put the insurance on my name since i was the driver and we will pay less. Other than that nothing was mentioned about the additional excess.<br> <br> I phoned spoke to Keagan Mohamed 9 or 10 Dec I requested them to listen to my telephone convo, up today I am the one who had to call and team leader was bad, yes policy doc was sent to me. But advise was wrong If I was told about claims within 1st year and licence less than year and accident happen at night. Maybe I was goint to reconsider my options.<br> <br> Courtesy car is for 30 days and claim not yet finalised and company closed until 4 Jan. What will happen because not resp for delay