Very bad insurance

2021 we bought an Avanza(covered it with SA Taxi Insurance) and it got into an accident 2022, the car was fixed without any complications. 2022 we bought another car(Toyota Rumion) also covered it with you. The car was involved in an accident and it was also fixed you never asked for PDP as there were 2 passengers. Now the problem is the Avanza 2022 was involved in an accident( with 2 passengers)and was written off now they don’t want to pay, the issue was PDP(the same PDP they never had an issue with the previous claims). We have been sent from pillar to post from 2022 till today. The broker said the case is with the lawyers only to find out the file was opened incorrectly (that was a year later). We were told that they opened the file correctly and that was 2 months back and we must wait another 3 months. now we are struggling to even pay insurance for the existing car, SA Taxi is not reliable it’s been 2 years now, never trust them