Dial Direct BAD practice

I just got off the line with a Dial Direct consultant. I was told that you lose your entire payback bonus if you put in a windscreen claim. And I phoned them because when I wanted to put in a claim through my app, the app told me the same thing. And the consultant confirmed this. So, it's the only insurance company that I know of where you lose your entire bonus of three years because you put in a windscreen claim. I can understand if you put in a vehicle damage claim, but not a windscreen claim. So, you've got no control over this. We're driving in a country where there's lots of trucks and cars and pebbles on the road, and you get damaged on a windscreen. So, if you want to have insurance where you get penalized for that, then you must go to Dial Direct. I think everyone should be aware of this so that you're not caught when you're considering taking the insurance cover from Dial Direct. So, the best thing for me to do now is to claim and then cancel my insurance and go to another insurance company. Because if I don't claim, then I've got to pay for my full windscreen and then hopefully get a bonus in three years' time. But my bonus currently is about R13,000. In three years' time, it'll be a lot more. So, I'll lose all of that because I put in one windscreen claim now for a few thousand. So, that's not worth it. So, rather than me paying insurance premiums for the next few years, I'd rather just claim and then cancel my insurance. And then I'll go and look for a proper insurance company that doesn't do this.