Horrible service from OUTsurance

The worst service ever I ensured my brand new car with OUTsurance in June 2018 and took out credit shortfall fast forward to 1 March 2022 I have a car accident and on the 3rd they declared my car a write off but won’t pay my credit shortfall of R16000 because my finance has accessories listed, to be specific it’s got smash and grab, bootmat, secure bag, selective lock, headlight on buzzer and an emergency kit and I’m only being told now that I have had an accident claim number *** that shortfall cover does not cover the interest on accessories but when the cover was done in June 2018 the consultant did not mention this detail about the shortfall at all to me and now I’m fighting with OUTsurance just to get my shortfall cover that I have paid for since 2018 and they cannot even retrieve the call from 14 June 2018 when the quote I accepted was done for me by their consultant. I am cancelling all the policies I have with them as they pretend to care about their customers but really only care when they are taking their premiums every month I would not recommend anyone to do business with OUTsurance and I will be getting my family members and friends to cancel their policies too as they just look for ways not to pay you and it’s already been 2 weeks and my matter is still not sorted even the claims advisor is clueless he’s just a messenger.