Careful using discovery as an insurer

It wasn't too long ago that a wrote a review here because the claims department was dragging their feet without any communication.

Never the less not a week after my claim was settled I was sent an email stating that I am now a high risk client and my policy will be increased over an above the annual increase. Anyways upon reading over my documents that were sent it dawned on me that I am paying to have my 2 laptops insured for the sum of R65 000 which might I add I was not paid out the total sum for but I am being charged every month to insure my laptops for this value. I was paid out a total of just over R48k which means that I am still shy more than R16k just for my 2 laptops. This R48k also included a laptop that was being used as a desktop so if you remove the R15 600 from the R48k it means that I was only paid out a little over R32k for 2 of my laptops that have been specified at R65k as an accumulated amount for both. As far as my math serves me this means that I have been shy paid more than R33k for my 2 laptops which I am paying a premium for R65k.

I raised this issue to my insurer which I was then told it will be resolved within 4 hours as they have a "service level" of 4 hours. It has now been over a week since - not one person has bothered to send me a follow up or even call me with regards to my issue despite the numerous emails I have sent.

I dont find it very fair that I must pay a higher premium to have my stuff insured at the proper replacement value only to be shy paid when it comes down to claiming.

Honestly after all of this I will more than likely be looking elsewhere for an insurer as this entire experience from the 10th of March 2024 has been an absolute disgrace. Zodidi doesn't even acknowledge the fact that I am unhappy she will just speak over me and then make out like I have been done such a huge favour.

To be charged for something and not actually receive what it is that's being charged for is what exactly??

Everything regarding this claim has been an absolute nightmare and I WILL NOT recommend discovery insure to anyone any more.

This is for my work, now again I am still being messed around. This is now going on for over 2 months!!!!