Insurance company that doesn't pay and advice they clients to fix the vehicle themselves

Infact the 1 star rating is higher than what I would actually like to rate this company, all my vehicles I get I insure with pmd, when I sell them I cancel the policy and add my new vehicle, I pay the pro-rata amounts every time, recently I swapped my Toyota quantum for a Toyota etios, I called pmd and informed them I want to replace my quantum with a etios in my policy, the premium was abit higher but I agreed to it and told them I want to replace the quantum with the etios, I even told them I want it to take ter over they agreed, the access would of been the same going down every month, and they told me that it would take over the quantum policy my access etc would be the same, 3 months later I do a claim threw the app it doesn't work, I tried for a whole week it still didn't work, I called the consultant they did the claim process with me which was easy and the consultant was helpful untill the end where they say I have to pay an early claims excess of 10650, my damages was less than that and it wasn't even my fault a guy hit me from the back , I know they say insurance company's find every way not to pay iv seen this for myself now, and I will never take another policy with pmd, and also I will make it my duty to inform every one threw social media/word of mouth and how may people I can about how I was **** to, I fixed the vehicle myself costed me R8000 after paying 4 months premiums which came to +-3700 for nothing