DIAL DIRECT INSURANCE _ RIDICULOUS

We pay our insurance with Dial direct on a monthly basis as per our contract no questions asked. A few months ago the electricity in our area was down for 3 days and we claimed for meat as it went off. They paid out no issues. Over the weekend from 11/01/19 - 13/01/19 it was down again. Not our fault but the fault of City of Tshwane. We submitted another claim for meat. They paid but directly after sent an email to my husband saying our contract has been suspended as we are a liability now. This is the most ridiculous thing I have ever heard and they are in breech of contract as well. A liability for a claim for meat? I liability although we pay them every single month??? I am utterly disgusted in their service. We live in a country where crime is ridiculous and service delivery with regards to electricity is just as bad so now we are being punished for it. What about the installments we pay monthly? Why do we even bother paying?? What is that for? And when speaking to a consultant all they say is, it is what it is. So to put in in short DIAL DIRECT'S SERVICE IS DISGUSTING - IT IS WHAT IT IS!!! When I went on google to see where I can complain the things that popped up was - Dial direct is a nightmare, Don't use Dial Direct, Warning about Dial Direct. I now know exactly what they are talking about! RIDICULOUS.