No R400 after youve spoken to them first

Hi I am a Car owner and as you know a car is an important part of your daily life. I wanted to find out from outsurance what they would charge me and booked the call on March 4th and while I was on the phone the paperwork was done and I would after the conversation start Paying on the 1st of April if I accepted the quotation. So I received documents via Email and according to me nothing was set yet I was still with my Current Insurance and the cover with Outsurance would only start after I got the car Inspected and Payed my first installment on the 1st of April. Thus I am not their client yet as I am not Covered by them yet Right? Now Today the 17 of March I called them to confirm that my Current Insurance company is actually Cheaper in every aspect that Outsurance offered me, they told me because I already had an OT number, which I was told is the quote and documentation to inform me of what goes for what, I am therefore an Existing customer of theirs and thus that R400 claim does not apply to me. They do not cover me and did not communicate this correctly is what I felt I AM NOT THEIR CLIENT THEY DO NOT COVER ME. So they Refused to pay the R400.