Change of contract without inform a customer

My car(Kia Sportage) was involved in a hailstorm accident and I am using Santam Car Insurance paying R1300pm for the pas t4 years.The reason I took Santam its because they had unlimited car hire because Kia car parts are sometimes imported and it take longer time for the car to be fixed. It is not the first time I had accident with this car on the same Santam insurance but it is only today I was informed about changes on Santam car hire policies. Right now my car is still with the panel beaters and Santam wants me to send back the courtesy car without my car completely fixed. The assessor did not even bother to inform me about the changes when he arranged the courtesy car for me till today. When I enquire everyone involved is shifting the blame to one another and I feel like a fool not knowing who talk to. No document received informing me about the changes, No broker ever sent me an email or any call from Santam informing me about the changes in the contract as a person who took this insurance 2011 and now is 2015, Claiming from the insurance is not something you do daily and know and changes but it is their responsibility to keep me posted about any change they do. DEVASTATED