Bad service

******* insurance. They are a ****!! I was bumped into this year February 2022 and the useless consultants from PMD told me they will not guarantee my excess being reimbursed if they claim from the ******* man that bumped me. I ended up not using their service and found an outside panelbeater to fix my car. The second incident was today 3 September 2022, I locked my car keys inside my car and I contacted PMD, again their ******* attitude stinky consultant was rude on the phone. Instead of calling road assistance to help me she told me about having to quote for new car keys. Which I turned down, what's the point of having a comprehensive cover whereas they fail to render services in times of need?? I used an outside company AGAIN, to help unlock my car. I am definitely changing to a better insurance company.