Bad service

Santam is the worst insurance to deal with firstly I had been with them for a year without fail have paid my premiums on time then they called me this year saying that after each year they are suppose to renew the policy which the system does automatically they then say because the system did not do this my policy did not update mind you they say it was suppose to renew on the 1st September 2022 and they only called me on the 23 October 2022 to inform me about this and said I would then need to make a double payment on my premium on the 26th that's when they collect the premium via debit order and I told them that unfortunately I would not be able to do that as whatever that happened is not my fault they then gave an alternative of not having cover for that 3 days and my policy will then commence again on the 26th which I agreed after the 26th everything was back to normal as they said or so I thought up until I had an accident on the 15th of October I immediately called them did all the necessary paper work I then requested for a courtesy car because I obviously needed it for my daily use when I did they then said my policy does not cover courtesy car which was definitely not the case after a long 4 days of going up and down with them they then rectified the mistake and a courtesy was allocated to me they allocated pannel beaters that were extremely slow they took 2 weeks just to inspect the vechile slone that time they courtesy car was allocated to me for 30 days and that time was running out because they were slow they did not communicate with me instead I had to be the one to chase them around to find out progress/timelines of the repairs now from my understanding the point of having a courtesy is to be able to move around while your car is in for repairs I then called Siyanda Mdlulwa to ask for an extension on Monday 14 November 2022 as she was the one that was handeling the whole courtesy car issue in the morning and explained the problems I had been having she said she would escalate to her manager Dorothy Hendricks which has not responded since not sure if she's busy or just ignoring the request now the car due back tommorow 18 November 2022 and I will be left not having transport I have to travel to work daily and I have a sick 2 year old that needs regular doctors visits and I won't be able to do that because I don't have transport I don't know what to do I'm very angry with the service and I really would not recommend them to anyone.