VUM E-hailing business Insurance cover

1. When I was involved in a car accident and needed a family run transport, that was my first time to be told that my premium doesn't cover a family run, so I had to make my own arrangements on how do I get back home. 2. They rejected my insurance claim because I only yielded on the stop and didn't fully stop even though the speed I was traveling with was only 31km/h. 3. I appealed the decision while I continued paying my monthly premium while my car was stuck by the panel beaters yard. My appeal was not successful and they refused to refund me the premium payments I did after the accident since now they have rejected my claim and now left with the costs of fixing my own car. 4. When I wanted to cancel my policy with them, they told me that the do not do cancelations in the middle of the month.