False advertising /misleading Rewards

The biggest Schemers,i dont advise anyone to do business with this company, they always sending me messages to try and save you money and if they unable to beat your current insurance they reward you with R500, iv been getting constant sms, emails and calls to do a quote and get R500 so i gave in and sacrificed time during business hours to do the quote only to find out after a year that my comprehensive cover with PMD was unbeatable, after wasting my time and credit score which has been also effected with these checks i have been told i do not qualify for the R500 reward cause i was quoted after a year, in order to get the R500 you have to wait 2 years so why pest me to do the quotes via sms, emails and calls encouraging me that i will get R500? this R500 is very misleading and is used to take advantage of people, its been falsely presented, the consultant that quoted me has not advised me before doing the quote and i asked her about the R500 only at the end of the call i was told i dont qualify and 2 years t&cs was never explained so this whole reward with outsurance is waste of time and credit score they always offer higher premiums, you realy dont get anything out.