What is the POINT of insurance?????????

I pride myself a loyal customer. Our insurance is always paid every month on time. I have a car and home content on my insurance

Beginning of last year my husband was ****** at the bus stop and when we called our insurance to report the matter they claimed that his cell phone should have been specified. Yet we are paying for R4000 portable possessions. And that was the end of that.

Last year November. I hit something at the bottom of my car while driving to collect my husband from work. Stopped to see if all was OK as it didn't sound like a hard bump, everything looked fine according to me(not a mechanic) i was in the middle of a country road with no one driving past me with my year and a half old daughter. Of course you get in the car and keep driving as all seems fine.

Picked my husband up and he proceed to drive home, 5 - 10km after leaving his work the car lost power, no engine lights no warning and we heard a strange noise when trying to accelerate. we pulled over called a tow truck and the insurance claim started. the dial direct call center guy that assisted me with the tow in said that the claims department was closed and i would have to call in the morning.

I did so and started the claims procedures. what a pain it turned out to be. my car was taken to Suzuki when towed. The guy that assisted me from dial direct said that suzuki will inspect the car and then take the next steps, a month later my car was still at suzuki and no one could give me an answer. my insurer was telling me they moving the car to a panel beater for inspection and this wasn't happening. in January i received a claims report starting my claim was denied as findings shows it was mechanical fail due to wear and tear. my car was serviced in August by Suzuki as always 2 months later this......

In now still paying a car i cant drive and the insurance that declared my car a write off is still taking my monthly premiums for said written off car. Im car less and paying for everything to date... why insure things when it only makes a terrible situation worse..