Unity Rim and Tyre pathetic service

I have had a unity Rim and Tyre policy for some time now and have never used it, recently i have hit apot hole, damaged 2 tyres and decided to make use of the claim, i simply followed the proceedure stated and submitted my documentation, Well the Claim was rejected due to it being R500 of the amount im covered for, i have offered to pay the difference, and I was also told when taking out the policy that should a claim exceed the insured amount, Unity will use the second claim, so i have sent the T&C's to the claim consultant(Portia) that was provided when taking out the cover to be shown that a quote exceeding a certain amount is basis of rejection and still no reply, definitely not a product i would recommend, certainly there it is no use of having it, if it isn't going to cover you when you need it.