Motor Insurance Claim - Pathetic Service

Phoenix Risk Solutions is my insurance broker, with whom I have motor and household insurance. On 2 Dec 2019, I lodged a claim with for a motor vehicle accident. I have had to continuously follow up with the claims dept and the assessor as to the progress of the claim. Eventually the car was written off. Phoenix then told me to contact the Wesbank to get the details. This was done. I had to continuously follow up or no one would give me feedback. My motor vehicle policy was updated on 1 Nov 2019 and the insured value of the vehicle was R251K. Phoenix now says that according to TransUnion's valuation guide the vehicle is worth R211K. When I queried the difference of almost R40K the advised that this is the depreciation of the vehicle. I contend that the vehicle cannot depreciate by R40K in less the two months. To date they have not responded to my queries and all I get from them is attitude. I get shoved from pillar to post, and this after I am charged a 10% admin fee on this policy every month. This is incompetence and shocking service.