Worst Insurance I have come across

I insured my motor vehicle around June 2021. December 2021 I resigned from my job. Around 2022 I called PMD to cancel my policy cos I couldnt manager the premiums anymore, I was very quickly offered by the consultant that PMD will reduce my premiums for the next 3 months. During that time I picked up a stone chip on my windscreen and called PMD to lodge a claim and this was my very first claim. My claim was turned down cos they said that cos my premiums were reduced they wouldnt be able to honor my claim. On the 1st of August I made my 1st trip to Hartswater to look for business opportunities I booked a lodge for the night of the 1st. The 2nd of August I checked out drove to the nearest garage to fill up and then drove for like 5kms away from garage and then realized a noise was coming from the front section of my car. I pulled off and popped my bonnet to establish where the noise was coming from. I called PMD at 10:15 and was told the towing company will be by me in a few minutes. Isat in my car cos I didnt feel safe to get off. I held my pee and hunger till 16;15 thats when the tow truck eventually pitched up. When I called at 10:15 I was also told by PMD that I will be towed to safe place and a reputed mechanic and my car will be repaired. When the mechanic had a look at the car they established at first my water pump had to be replaced and since noone had the spares in Hartswater they had to order form JHB. PMD advised only 60kms will covered for towing and beyond 60kms I will have to pay the extra. The water pump was only going to be delivered on Friday morning so this meant I had to book in again for accommodation. Friday morning when the mechanic went to fit the water pump then discovered that the fan belt tensioner was also damaged. This part now also had to be ordered from JHB and was only going to get to mechanic the following Monday. Whilst all this was happening PMD never bothered to check up on me as their client. At this time I had to already pay for the extra stay whic wasn't budgeted for. I then had to borrow cash from my friemds to pay for the 2 parts and labour which was around R5700. When the 2nd part came on Monday the mechanic then picked up that the aircon pump was also messsed up and a new one was around R8000 which I didn't again have. So they removed the aircon pump and installed a shorter fan belt for me to get home in JHB. I spent more on airtime trying to call this useless company PMD cos their cusomer service is the worst I have come across but they boast that they are number 1 on Hello Peter. A week after I came home they called me a few times to tell me that they are busy investigating my claim only for them to call me on the 25th August to still tell me that my claim won't be paid out. So I gess our minthly premiums are good but our claims aren't.