More Fiction than Fact - STAY AWAY FROM REGENT INSURANCE!!!

I bought a brand new Kia Picanto on 19/09/2017. On 29/09/2017 I was in a terrible car accident, which lead to the vehicle being written off. The accident and the insurance company's decision to write off the vehicle was reported to the Ad Cover Insurer, Regent Insurance, in order for them to prepare the necessary paperwork. The insurance company paid out on 19/10/2017. A week later, I followed up as to what is happening on the Ad Cover side, and was informed that they have not even requested the settlement amount from the finance company as yet. I then requested the settlement quote, and sent it through to them on 27/10/2017. I was then informed that they are still awaiting "premium confirmation" which takes 24 - 48 hours. According to them they were only informed of the claim on 24/10/2017 (we have emails proving this is not true). If it takes 24 - 48 hours for the premium confirmation, why was this still outstanding from 24/10/2017 to 27/2017? When they finally did pay, the amount they paid out was incorrect, as they decided to ignore the amount quoted by the bank, and just go with their own amounts. They deducted an amount for the maintenance plan, which I have to cancel and request a refund for. The amount they deducted, was again based on fiction. They also deducted an amount for a fictional "paint protector policy" which I didn't even have. When we corrected them about the policy not existing, they responded with "Please see amended calculation. Please note the dealer invoice was not sent to us with the initial claim request." - Surely, as the person handling the claim, you should know to request this from the dealer? They based their initial calculations entirely on fictional amounts. I don't see how this is even legal. STAY AWAY FROM REGENT!!!