Discovery Insure - sub standard

One star is too much to give Discovery Insure for the bad service I received from them twice this year after i) a deer ran into my son’s car (June 2018) and ii) a tyre from a passing truck came loose and hit my car (October 2018). Long experience with this sub-standard insurance company cut very short: we waited on the N12 during the latter accident for 50 min without the tow-in company arriving - we sent them our location however after the persnnel from Discovery Insure put us in contact with them. We then travelled slowly to meet them about 10 km further along the road. For both cars it took two weeks to be released for repair after being towed in by companies on Discovery Insurance list of service providers. .Also in both instances I have been told the tow-in companies tariffs were too high. I was even told that I will have to pay the difference of R7 500 for my car since Discovery Insure’s agrees to pay only R2 500. I refused since I did not use an ‘unauthorid’ tow-in company as I was told .......the tow-in company was actually contacted by personnel of Discovery Insure Emergency after I notified them of the accident. I was then a few days later told they settled with the tow-in company and that I do not have to pay the difference anymore! Ok, 4 wks after the accident my son’s car was repaired and mine after nearly 6 wks after the accident. My car now has a bump on the drver’s door that was not there when I handed it over to the tow-in company. The panelbeaters received it like that since they took a photo of it when they received my car. The worst is that personnel (at grass roots level and at management level) of Discovery Insure do not respond to key questions I ask them about these experiences I had with the company - I am ignored. I joined Discovery Insure last year to maximize the beneficial effect of my contributions towards the company in terms of medical scheme, Vitality, House and Life Insurance. I regret joining Discovery Insure since the service I received from the purple-and-green insurance company for 20 yrs before I joined Discovery was just the opposite and outstanding, Needless to say but I will terminate my association with Discovery Insure soon. Unfortunately the advisor at Discovery who assisted me when I joined will be penalized when I terminate policies and that is bad.