Claim cannot be paid

Company after claim gave me a list of panelbeaters. Went to do a quote on a small scratch that was covered by the scratch & dents cover. The quote amounted to double the amount I'm covered for. I was advised they will pay to the PB their portion an I have to pay the balance. I told them I can't because they are expensive and unreasonable that's why I have insurance. I advised them I have cheaper guys who can help me with half the amount they quoted me for. They told me if I'm going that route I will have to wait for about 3 months so they could add my choice of PB to their database. I can't wait that long. Now i asked them if they can pay to my bank account and i'll sort out myself out. They refuse with no reason that's not even in their policy schedule documents. How is paying directly to my bank account different to paying to a PB bank account? Isn't their aim to satisfy me as a customer?<br> <br> Even sadly I have a policy with \The unlimited"but was getting assisted by \""CMC\"" company who are the ones that denies me my payment and offer me unreasonable solutions.<br> <br> I always pay on time and never skipped a payment. <br> <br> Is either I get my premiums back or they pay the claim to my account."""