Santam Insurance

I currently have a claim with Santam Insurance for my vehicle. From the begging of the claim I mentioned that I would prefer a cash settlement, and sign a waiver document as I want to make use of another repair company to repair my vehicle. I was informed by Santam Insurance Claim management that it is their choice where to send the vehicle for repairs. It is stated that they only perform cash settlements under extreme circumstances. So no longer does the client have a choice and seams that this option in some way contradicts the statement of treating the customer fairly. The quotation provided by the Santam chosen repairer was done based on photos sent and the proper quotation will be done once my vehicle is delivered, this will be addressed by claims moderation. Should the quotation of the other repairer turn out to cost more, I will again be penalized with a higher policy increase. With all of my claims dealing with Santam I struggle, seams I have no choice, but to pay for insurance and do as I am told. Most likely the feedback here will be move to another insurer if our service is not sufficient. Another item for me where I see lower grade of service is an explanation of why this ask is completely unreasonable.