Unfair claim handling & threatened policy cancellation after accident

I submitted a claim after an accident on 19/04/2026. The service since then has been poor.I was told to send photos of the damages and given an estimate without the car being physically assessed.I was told to accept R7,000 or they would close the claim. I refused.After I refused, Nedbank apologized and sent the car to their approved panel beaters.The panel beaters assessed the damage at a much higher amount than Nedbank’s initial estimate.I then received a call saying Nedbank is cancelling my policy because the car is “a risk to insure”.This doesn’t make sense because:The car has never been in an accident before.If it was a risk, why was I insured and renewed in the first place?It seems they are cancelling now because their own panel beaters quoted a higher repair cost, and they didn't do a proper job in the first place.