Pathetic, disgusting service from The Umlimitef

I first submitted a claim in October of this year for a scratch on my vehicle , after a couple of weeks and no response from them I called again and was told that there were outstanding pictures. I then emailed them the outstanding pictures and still no response. I then called again and spoke to Andre who assured me he would make sure my claim would get processed as soon as the outstanding pictures and quotations were received. Yet again I email all the necessary documents. At the beginning of December I emailed Andre again and asked him what was going on as my car had to be repaired ASAP as my son was getting married in December and I cannot afford to be without a car so close to my sons wedding. I received an email from Andre on the 4th if December saying that all my documents had been forwarded to the assessors. Today the 13th of December I called in the morning and asked to speak to Andre and was told he was gone out for lunch and that he would call me as soon as he gets back. I waited till 4 o clock and Andre still didn’t call me so I called back, but by this time I was completely frustrated and asked for my policy to be canceled and that I would like a full refund from the time I last made a claim which they paid for . The consultant then informed me that he can cancel my policy but cannot give me a refund as that’s how it works. I informed him that the reason I want to cancel my policy because I cannot afford to pay for something I did not use especially when their service is pathetic and a complete sham The consultant then informed that this is their policy and that he cannot refund me my premiums as that’s how they work. . I asked him (Vernon Govender) if he would pay for something that he cannot use and offers pathetic service and then not get your money back. He said he would report the matter and has sent a request for a refund to the relevant department and it’s up to them to decide if I will get a refund or not and he suggested I let him look into the matter and maybe I can take my car in next week for the repairs, bear in Ming my sons getting married on Saturday next week , Monday is a public holiday and I’m not sure if the company that was doing my repair may have already closed for the Christmas vacation and that I cannot afford to give my car in as my son is getting married and I cannot be without a car . He then said I need to be patient and let them try and see what went wrong.. I then informed him to please cancel my policy effective immediately and that I want a refund of my premiums back dated to the last time I claimed which if memory serves me right was sometimes last year, which sound quite fair as I did not claim and even when I did claim I received absolutely pathetic service and that a R2950 claim takes over 2 months for them to process. I’m not interested in what went wrong , all I want is my money back.