New National Assurance review: rejection

Hi
I bought a Renault Sandero Stepway in April 2011 through Absa.I took out an insurance policy with New National Assurance. My husband had an accident with my car on the 1st of July. I submitted my claim the same day. The assessor said that the car was a write-off and the insurance company towed the car in the following week from Delportshoop to Johannesburg. Every time we phone them to find out how far the claim is they told us that they wait for the report of the loss adjuster. They kept us in the dark for 5 months and deduct their debit every month from my account. I paid a additional premium for car hire but were told that they first have to approve the claim before I can get a courtesy car. I never got a courtesy car and they e-mail me on the 18 November that they reject the claim. They told me that I must fetch my car in Johannesburg and pay the release fees and transport my car back to Kimberley at my own expense. I don't know what to do anymore but I'm mad as hell.