Misrepresentation of facts

<p>Dial direct home contents insurance is a ****. I took out a home content insurance with dial direct and have been paying monthly installments with the hope that in case of an unfortunate event . I would be able to claim and recover my losses how untrue this is. I had an incident of a burst water pipe while not at home on the 23rd October 2016.Matter was reported to insurance on 24 Oct and they promised to send an assessor who arrived on the 25th. A Chris Havenga called to make another appointment for friday 28th October, for another assessment. Bearing in mind this is water damage so some items may be drying already . I explained to Mr Havenga I was not happy with items being removed from the premises to an adress I didnt know abd the expected turn around time , to which he responded that if I refuse for insurance to remove my goods from my residence they simply would not pay ( this clause is not part of the policy document).I further asked about my liebher integrated fridge which according to my understanding is supposed to be covered under the household contents, to my surprise since it is fixed to the cupboard it forms part of the structure ( however a standard house does not come fitted with a fridge). I have Persian rugs insured as well, to which Mr Havenga casually expects me to hand over to a third party without thinking twice??My reason for taking out insurance is I want to have an option whether to replace the items I worked hard to acquire and not for someone to walk into my house and tell me if I am not happen with how they want to do things then they will not pay. I am not sure whether this is the opinion of the company that they sell a product publicly and when it is time to deliver they look for excuses not to deliver on the contract.If that's what insurance is I am disgusted and have obviously wasted my hard earned cash paying for a false non existent service!!!</p>