Outsurance lack of interest in clients

Seeing that nobody at Outsurance is interested in assisting... My daughter’s car was in an accident on 8 May, the party that caused the accident was also with Outsurance so the car was repaired by a panel beater determined by Outsurance. This took more than 3 months due to parts availability issues(no Renault jokes please), we got the car back and raised a concern with Outsurance as there was minor issues that needed to be addressed. This was a big mistake – the complaints department and the rest of Outsurance don’t seem to belong or work together. The car went back to the panelbeater to fix the minor issues, when they did a test drive a taxi skipped a stop street and the car was written off in an accident. The panel beaters insurance want to pay us out to settle the outstanding finance and so that we can get my daughter a replacement car – this is where it has now really gone to shi….. Since 3 Sep I have been trying to get a letter from Outsurance to say they are not paying the car out so that the panel beaters insurer can pay out. The letter was promised twice, not send, then an email was send by Outsurance – not the letter, now the other insurer insists it must be letter…so we go on. The cherry on top is that when the 2nd accident happened, I called to report it, I was told not to bother as it being handled by complaint department – same problem department…. On top of this – I am still paying Over R1200 a month premium on a car that has been written off…. I raised that with the contact person in complaints department handling the matter, he did not know how this should work, was going to find out, never did – I had to follow up, etc. Finally a lady called me and cancelled the insurance on the written off car, 16 Sep. According to me there should now be a refund – but nothing on that either so we will see…. So since 8 May, I have had to keep paying, we have had less than 2 weeks use of the car, the matter can’t be settled because of lack of interest from Outsurance, we can’t replace the car, and my daughter studies in Bloemfontein to make matter worse. Fortunately the panel beater assisted with a courtesy car but we cannot keep using that indefinitely. So the question I have to Outsurance – Does this level of service justify the over R4500 I am paying every month ?????