Shady OUTsurance

Cheap is really expensive. Was involved in a car accident, someone crashed into my rear bumper. OUTsurance first refused for me to take my car to BMW approved panel beater and said theirs were equally good. Ok cool, took my car in for replacement of bumper. When I called the panel beater to make follow up, they told me they were now repairing the bumper and no longer replacing it and the work is almost complete. I contacted OUTsurance to ask why was I not informed about the change and to ask for my acceptance as previously done when I signed up for the replacement of the bumper. The repair work cost way less than it could have been if replaced. How could they approve without notifying me. I was told to take it up with the panel beater. The repair costs were less than the excess I had to pay so essentially I paid for my own repairs and the insurance calls it excess. I wanted to be given the opportunity to take my car elsewhere since it was no longer a replacement and save my outbonus which I have since lost. Called them and all they do is throw legal terms my way and said they’ll get back to me after investigation. It’s been over a week and no one has come back to me. Looking for new insurance.