Inconsistent information

I called Standard for a vehicle insurance and got quoted on a car insurance on market value, and upon realizing that I called Standard Bank to review the quote as I would like to be covered on a retail value. I explained the reason for wanting a review and a 2nd consultant offered to assist. To my surprise he told me I was supposed to be given quotes from different underwriters in order to make an informed decision and he offered to assist. He gave me different quotes as promised, however, I was shocked to learn that Standard Bank car cover only have one access of 7k and I asked seven ram times if that information is correct as other insurers have various premiums with various access, and he said he was sure. He then quoted me several covers and I requested for the quotes to be emailed to me. When reviewing the quotes I noted that what he offered on the phone under Standard Bank cover is different to what is on the quote and guess what I’m again quoted on the market value and not retail value as requested. Not sure if these consultants are knowledgeable or it was just bad luck. Firstly I’m not given options to choose from so basically the consultant chose for me, secondly I request for the amendment and find myself in the same position and not getting was quoted on the phone. How do I even consider to use these services if the information given is not consistent and how it should be given.