Disappointing service from Discovery

My car was broken into and when I claimed for the broken window, was told that they would replace the window but not the smash and grab film because that was not specified in my policy. Not only did the person who sold me the insurance (I switched to Discovery from Outsurance) not inform me that the smash and grab needed to be specified, but turns out it is at no additional cost to my premium, so it's not like I turned it down because I didn't want to pay the higher rate! They absolutely should have told me this when I took out the insurance and I would have added it to the policy.

I don't understand how this could not have been flagged with me when I took out the insurance - what new car in South Africa, especially over a certain value (this is not an entry level car!) doesn't have smash and grab on the windows?

Now I have to go and have smash and grab added to my window (for both safety and now because the window looks different with no tint) at my own cost in addition to paying my excess.

In addition their preferred supplier, Autoboys, took a week to fix the window, during which time I could not drive the car because not only was it a security risk, but it was raining. Thank goodness my husband and I could share a car in the meantime.

Overall very disappointing service from Discovery. I'm investigating other insurers.