Outsurance: Be careful of these guys

I took out car insurance with Outsurance in the beginning of June 2023. Their salesman sold me this wonderful cover called essential cover. As per the salesman, with this cover, in the event of an accident they put the monies into your account, less the excess, to use at your discretion, so you can choose your own panelbeater & this sounded great & I was sold immediately. I was in a fender bender a week or so later & my back bumper was damaged. I did all the necessary & wanted to claim, only to be told they put me on the wrong cover !!! When I asked them about the claim they told me that I would have to go on the correct cover and would then have to go according to the new covers policy wording with regards to the claim. This meant I had to go to their panelbeaters & pay R5000 excess upfront from my side. I told them I didn't think that this was fair because I paid them a premium for the cover they sold to me & yes their salesman made a mistake & I need to be placed on the correct cover which I agree & which they did (without telling me what my new installment was going to be, I just saw extra monies withdrawn from account) I asked the claims consultant to escalate it & asked them to honour the claims part which was initially the selling point for me but they declined. I have heard from a few people, that when it comes to paying out that these people will look for a loophole. Please be cautious guys, Outsurance after service really sucks, they deal in bad faith & don't honour their agreements. Bunch of *******.