Budget Insurance Are *****'s

I have a structural cover with budget which includes my geyser. Have been paying for a year (R182) pm... today my geyser broke so I called in to load a claim. Nkhosinathi Shezi was the agent who handled my claim ... I was told that a recommended plumber will come out to asses and should my geyser need to be replaced I have to pay an access of R1600 I was then transferred to another agent who’s name is Ashton Taylor who then tells me before anything is done I have to pay an access ... at this point I was confused due to me getting 2 different answers .... manager was called in at this point and said she needs to listen to my call and after an hour will call me ... she did and found out I was actually right .... BUT they maintained I pay the access immediately after the geyser is replaced. My point is ... I take a cover with budget pay my premiums and now that I have an issue they want access 1st!!! ***!!! This is the reason we take such covers so should an accident happen we don’t have to bare financial cost immediately!!! Please guys don’t deal with budget... how must I pay access first if I don’t have it now ? I’ve paid premiums for a year shouldn’t that cover my access and of co**** I pay budget back monthly ? This is ******* because we pay monthly and when it’s claim time there’s stories I am taking this up to the consumer court because insurance companies have been getting away with it for to long.... if anyone wants to join me with issues they had with budget kindly respond