Santam Insurance good and proper?

My experience with Santam is the worst ever. Since I joined them at the end of October 2023 I experienced the worst in the 2 years with them than my entire insurance lifespan. On 3 June of last year I bumped into a stationary vehicle whilst maneuvering out of a parking bay. The damage to the third party's vehicle was more extensive than my own. Santam displayed no interest in the 3rd party's vehicle and only approved a claim for my own car. Unfortunately the service provider wanted to hold my car for 14 days to repair small scratches to my bumper. Since I use the car everyday, I asked for a shorter time frame, but this wasn't granted. I then asked for an alternative arrangement. Santam went mum after that. My car is still not fixed and I had to pay for repairs to the third part's vehicle, all whilst I have comprehensive cover with Santam. In July last year I suffered storm damage at my home. The assessor adjudicated that because of a missing fascia board, rain came into my ceiling that eventually cause the collapse of the ceiling. An independent company made a different expert finding. They rejected the claim and I was forced to have the damage repaired privately. I intentionally told the repairs person not to put on the fascia board. Winter storms are still battering my home as is normal in Cape Town. Needless to say, even without that fascia board. no rainwater has entered my house thus far. No storm damage is visible at all. I leave the the final verdict with the readers out there. At the end of last year, I had a break-in whilst I was away. Santam only paid out for the damages to the burglar bars and window where the burglars entered, but rejected the claim for everything that was ******. The lost was extensive. These matters were reported to their Complaints department as well as the Ombudsman. Both just went mu on all issues. The question now remains, are they in co-hoots? Let the readers decide.