Unfortunately it requires a swap due to the need for such precise documentation of the condition of the vehicle at the time of taking out the policy to make sure that it’s not abused by people trying to claim for pre-existing damages at a reduced rate.
As such the page I linked you to is correct. The page you found is also correct, in that you can redeem the points against it, but only if you already have it, or are making a new booking. I agree that the wording could be a little clearer.
It’s a shame to hear that you’ve had issues throughout your time with Onto. More members of staff have been recruited and are trying to tackle various issues and improving certain processes wherever they can. It would definitely be worthwhile to reach out to them with feedback so they can take it on board for the future.
I’ve said it before but if they’d like to put me to work then my inbox remains open to the management who read through this community. I’m very conveniently unemployed due to illness right now and would be happy to try taking on a little part time remote work helping people out!