Auto and General Claim Card is *****

Good Day, So my brother claimed for cellphone a week or two ago, the claim went through only for him to be given a Claim Card. When the claim card arrives we find out it can only buy a limited stores, and the stores are mainly irrelevant to the cellphone claim like Cashbuild, Builders Warehouse, Le Crusset, Game, Makro and Jewellery shops. What is also weird is that, these stores also happen to be owned by Massmart, another company which is owned by the same owner of Auto & General, Mr Andrew Steyn. Why not load funds in the card for customer to use anywhere they prefer? Why be the insurer, the replacer and the ombuds? I won't be shocked if the company that does these cards is also owned by one company. I will be taking this matter up internally within EFF leadership as I've been advised that the Insurance Ombuds also works for Auto & General and is not useful for consumers. Any other person experiencing this? I think there could be grounds for a class action here. Please comment and share contacts