Budget Insurance not operating in Good Faith

Utmost good faith is not upheld at Budget insurance company. On their documentation where they have increased my insurance it states "and we don't want to burn a hole in your stylish pocket when you have a claim - you see that's why we have had to adjust your premium". I implore anyone considering this insurance provider to please read up before considering them. I'm trying to Claim so don't burn me on the phone like yesterday or my pocket. Put your statement to the test! I put in my claim for a Treadmill which was insured under special items and now when I submit a claim it is rejected due to their supplier (which they pay) Assestech gave report which was delayed by a week advising neglect, rust, machine is dated and non servicing. I am not a gym this a treadmill at my home so why would it need a service and where in the documentation or any correspondence did Budget Insurance advise this? Michelle and Abdul advised they do not cover what Assesstech has advised them the problem is. Assestech. The treadmill is from the UK did they put an adaptor on the treadmill plug and switch it o, how equipped are they to assess a treadmill? How many have they assessed? When I question the report since I pay Budget insurance I am a client not a supplier......the conversation with Michelle got very disturbing and I even had to ask her to ger the team leader to call me, I had to insist it be on the same day since it has taken a long time to even get to this point. Michelle Rohan and Mohammed Abdul are not well trained enough. I was even asked whether i am looking at a hard copy of my cover document! I have experienced nothing but utter rude and disrespectful conversations, I even had to ask him to STOP a few times and asked him to please let me finish and he just carried on in this disrespectful manner. I even asked to speak to manager, this was at 4:20pm and guess what nobody was there, I was under the impression as per their website they work unit 5pm. Apparently the next person to talk to was Erna Giglio also not there, must have been a go home early day. I even sent an email to Tyron (Head of Budget) at 4:46pm and the response was he's only working from 8am to 5pm....it is 4:46! I asked Mohammed Adbul for all the telephone recordings and emails to be sent to me yesterday 04 May 2022 and nothing yet. On those recordings which I want the Head of Budget to listen to you will hear the manner in which a paying client is spoken to. Shocking, they do this to clients who pay and do not question the suppliers who delay reports according to Michelle there was a huge delay and I feel the suppliers report is incorrect. I also think that Budget Insurance is looking to get out of a legitimate claim which should be held in Good Faith as insurance should be. It is a small claim of R22 000. I can only image if it was for my household contents! During this process I had a conversation with Michelle Rohan about household contents insurance and she advised that she would send me an inventory list so I may up the value of contents to RELACEMENT VALUE as or her email. My husband and I are currently doing this on the property we reside in and another property we own as well as considering adding 2 high end vehicles to this policy. We are now so shocked by this we are reconsidering adding anything to this policy if they cannot in good faith sort a R22000 claim on treadmill what would happen in the case of vehicles or property which is much much higher in value? My husband looked on the internet and found that others are also having similar issues like the person on this site insured by Budget and is having a problem sorting his vehicle. We never ever want to be put in a position like this and with a small value claim considering homes and vehicles are higher in value than a treadmill. Also what happens if my microwave which a convection one breaks down will they do this too, what about a power surge, will they then blame my power supplier? My ipad, will they say they cant replace it because its dated and old? My cellphone, its wear and tear? All these items are currently insured by Budget and we are reeling from and Budget not operating in Good Faith. Documentation states "your home contents might have gotten older but the cost has gone up, because we replacing your older model with a newer one...... So do the replacement!