Poor customer service at Its best by Prime-meridian insurance

I have a car insurance from prime meridian since 2013 and never claim from them, now I am in 2019 I had a hail damage on my car to a cost of about R30 000, which they refusing to pay. instead they telling me they only cover me for hail for only R10 000 for some many years a clause which apparently was always in my contract in fine print and was never mentioned to me now I asked for way forward because the dealer which is charging so high are selected by them as a so called SAMBRA approved but they cannot afford it instead, I mean where will you properly repair a hail damage with R10 000 because first a bonnet is automatic replace before anything can be done. Now I asked them to at least allow me find a vehicle repairer since my vehicle already out of warranty which can do it at maybe the amount they giving me even it will be very difficult and they still not cooperating on that. I also asked to sort out the windscreen separate but they also not assisting me on that too, the only the did was to take the premiums for all those years.

The whole hail damaged occurred on the 22nd of December 2018 and today I am still sitting with damage and nothing repaired 3 month later, in an area where I live all damaged cars were sorted by their insurance and I am having my car still without anything done on it, such a poor customer service I have ever heard.