Poor Customer Care

After buying my car I switched insurance using a broker from Santam with the Hope's that things will be easy since brokers knew better but I was wrong. 2019 December I was hijacked and my car was never recovered, Santam settled the car however there was shortfall , Bidvest settled it as I was also covered with them.My xenon lights and my sunroof were excluded and I was told they were not covered. I was told I need to pay R30 000+ to Nedbank. I contacted Santam and requested the recording of when the policy was taken but I never received it.I sent Ray Moyepye emails which he ignored. I now owe Nedbank money, worse I'm unemployed since I was retrenched last year due to the pandemic.