Come on Guys!

I am not at all impressed with this insurance company - my phone was ****** and it was insured for an amount close to R6000 - I decined the device replacement and opted for the payout.... I was told that a device replacement will only be R3000 so the pay out will only be R3000 and not the amount equivalent to the amount I payed for on monthly payments, guys don't get me wrong here this is the first ever insurance claim I have ever made, and no I am not fami**** with your "jargon" but I think insurance with you is a complete rip-off. Surely as a consumer I have a choice in the matter if I want a payout or a replacement, I paid the monthly premiums and not your organisation, and please don't give me the excuse of "we have to put you back in the same position you where before the phone was ******" You where not at all honest when I signed for this policy - and yea I get it the value of the phone decreases but why was no communication set to me? And please check your system, nothing was sent - and nothing about this was disclosed when I signed for the policy. You're probably not going to give me my full amount back bit I urge every one who has FNB device insurance with you to check their insurance payment with you MONTHLY.