Out of Insurance (OutSurance)

This one of my worst experiences with a supposedly 'professional' service provider. I logged a claim 11 months ago , an assessment was done and the panelbeater accepted to fix the vehicle on the amount. Unfortunately I couldn't go ahead with the repairs as I could not afford the excess as I wasn't working and had limited income. Now that I have manged to raise the excess , Outsurance would not help me as the claim has lapsed and the panelbeater now wants three times the initially quoted amount, from R8000 to R27000. Even during my limited income period I kept up with my insurance premiums but all these Outsurance advisor, supvisors, managres, assessor are playing dumb and quoting me clauses that are not in my contract. They are telling me the initial quotation was based on second hand parts and the new one is on new parts. They insist I must pay R23 000 and they will pay R4000. I feel short changed and **********