Fly By Night Insurance Company

I joined PMD 2 months ago and the consultant Siphesihle assured me that on the premium I chose, I am covered the sum of the market value effectively immediately after the first payment. 3 payments later I got into a car accident and I am told I am only covered R1000. They are refusing to play the recordings of the call as they’ve said they record calls. This insurance is fly by night. I suggest you guys insure your valuables with a more credible company and pay the extra few bucks.