Cheap premiums but you'll regret when its time to claim

My tyre exploded while driving, I contacted Pineapple to claim. I was told my Excess will be double since no other car was involved in the incident. you mean to tell me I could have paid half the excess if I bumped other cars and injured people? I disputed this and they later called me to say they wont fix my car, I must do it myself then seconds letter I get a message saying "now that your claim has been finilised, how do you rate the service?" Rate what service??