All round pathetic- multiple problems and don't deliver on promises

Have my been with Discovery for 3 years, it's been nothing but pain when it came to my needing them.

The first big drama came when someone drove into me and smashed into the right bumper and headlight. When I put in a claim, I was told it would be an express repair, but as such, I had to go to a panel eater further away. Fine- worth it to have my cat back in 5 days (as promised by express repair). When I get to the panel beaters, they already had a sheet printed out saying 8 days... It wasn't that they assessed my car and said it was going to take longer than the 5 days promised by Discovery, they started by saying 8 days. OK, nothing much I can do. I didn't get any updates from Centurion Panelbeaters, and when I called on day 8, they told me another 2 days. When I got upset, they told me that the Discovery person (Kayla G*****) should have been updating me to let me know it wouldn't be an express repair. Discovery denied that and said the Panelbeaters should have updated me and did they care that I was without a car for an additional week above what they promised? Did they care that I had organised my life around not having a car for a week, including taking leave, and then had to rent a car when I didn't have it back the following week? No. According to their policy guidelines, point 6.11, if an express repair is not completed in 5 days, my premiums for that month will be refunded. Their own policy schedule. Multiple phone calls, multiple promises to call me back...... NOTHING. I had about 5 different people, on 5 separate occasions, promise to look into it and promise to call me back, and NOTHING. So basically, express repair is a lie. Their own policy schedule is a lie.

Secondly, this month I changed banks. I thought all of my debits had been transferred, and unfortunately they weren't. Discovery Health and Vitality were easy enough to sort out - I paid via EFT, updated my banking details and my cover was reinstated immediately. But Discovery Insure..... They informed me that my policy was in arrears and when I called to find out how to make a payment (Health and Vitality had sent me their banking details and the referral no to use), I was told that I can't, and that I need to wait for the policy to be cancelled, and then try reinstate it. Thus, I sit without insurance for however long that takes. I should have checked on my debits- that was irresponsible of me- but HOW can there be no way to sort this out such that I keep my cover, as with Health and Vitality? Why do I have to sit without insurance, why can I not just pay it immediately and have my cover reinstated immediately? The call centre operator didn't care - so fine, told him to cancel my policy and Outsurance gave me immediate cover.

Discovery don't even stick to their own policy schedule, don't give a damn about their clients, and are overall useless. Half my family works in insurance, and I have NEVER heard of such poor service and broken promises to this degree.