DISCOVERY INSURE - Terrible service

Discovery approached me in December and convinced me to leave previous insurance company and move to Discovery at a lower rate. I only moved because it was cheaper. Never did I know that Discovery has so many pitfalls. In March, I filed a claim for my car that was damaged by the protests. I have a car rental option but then I found out I only qualified for a Hyundai I10 and I have 4 kids. I have now filed a claim for my Samsung double door fridge which is broken, now I find out they only pay R10 000 because I do not have 100% accidental cover. I've never had this at my previous insurance company. They were honest from the start. But what is worrying is when the agent sells the insurance to you, he does not mention that part to you. And now I have to add another R10 000 to buy a fridge. That's not fair. I now asked what it would cost to move my policy up and have 100% accidental cover, and the agent now told me it would be R34 extra a month. REALLY R34 has now prevented me from replacing my fridge with its retail value.