Santam unprofessional and ******

I have been a loyal customer for Santam, never missed a payment. my car had an accident in August 2023, I was not wrong, there other person caused the accident. anyway knowing that I have a reliable insurance, I called my broker, the car was towed. at the time of the accident my partner was driving as we were coming from a doctor so I couldn't drive. my partner uses TRN and also international license. During the investigation the santam assessor was asking me and partner questions i.e how many years have we been dating , did my partner pay lobola for me,. later the assesor informed me that my claim has been rejected, because the licence is invalid. I requested them to send me written information confirming that the licence is invalid. Instead they sent me a screenshot with no contact details, not signed. they said my partner should go to his country consulate to validate his licence. At the time I was waiting for the formal written letter of repudiation from Santam. santam without giving me letter they gave the panelbeater an instruction to release the car to me. This was happening without a formal letter from santam. A week later on the 12th of October I received a un signed letter of rejection dated 03 October. on the very same day same day I received an sms informing me that another assessor from Santam will contact me, which she never did. I then lodged a formal complain with santam requested for documents and asked if the outcome of the claim was based on the fact that my partner is not South African and that he did not pay lobola for me. I also asked does santam expect me as lay person to go to traffic department and verify licence for anyone who drivers my car even when I'm sick and not able to drive at the time. Santam did not provide me with the information I requested , instead they insisted that my partner must go and present himself at the consulate. Consulate does not confirm drivers licences. why is he then expected to go there. Whilst I'm dealing with that issue Santam on the 08 November 2023, decides to call the panelbeater to find out the status of the car. why are they calling the panelbeater when they had issued an instruction to the panelbeater to release the car to me. Santam had caused me heartache, stress because of there unprofessional way they handled my claim, and they without fail still continue to deduct the premium. Why are they not giving me the answers and documents I requested, what are they hiding, instead they give me a screenshot, and unsigned letter. is that how they treat their clients.