PMD is not the way to go!!!!

I had a vehicle policy with PMD for more than a year, then the beginning of February I had a little accident where I hit a pothole and my car went off the road into a ditch about over R5000 worth of damage to my car and bumper ! I then lodged a claim with PMD, had a bunch of paperwork I needed to fill in take to the police station to have them fill it in with the accident report that I have done and I sent that to them , after a few days they wanted excess to my cellphone records and more forms I had to sign and send back, I did that , they wanted the details of my vehicle tracker and I sent them that , they phoned my friends that helped me they phoned the guy that does the service of my vehicle they phoned my boss at work ! And you won't believe the questions they asked them ! All good and well I thought wow they are really quite investigative but I was fine with it ! In the meantime I had my car fixed myself as I needed to travel from East London to Port Elizabeth and I did that with confirmation from one of the consultants that I spoke to , She said that I can just submit the invoices and then they will then reimburse me ! Well well I finally got a call again from them the beginning of this week after a month after submitting my claim and guess what !!! The claim has not been granted , apparently the reports and what i and the people that assisted me and the police said does not correspond , so me the people that helped me and the police is wrong as my cellphone did not bounce of the tower close to where i had the accedent ???? I don't and did not understand this as I did really have the accident and my car still have some issues after that ! I'm an honest person and I feel like this is not fare as I am paying for issues like this and all this money I have been paying is actually for nothing !!! I did cancel the policy with them and yes I am losing all the premiums paid ,I just think that people should know that taking out a policy with them is waisting your money , I now am waiting for quotes from a few new insurance companies

To top this all off I was hijacked last week as well and I did not even think to contact PMD , I just paid the damage and what needed replacing myself !

So help I need a good insurance company that's not going to charge me a arm and a leg but gives great service and who is very reliable

THANKS