DISGUSTING SERVICE FROM DISCOVERY INSURE, THEIR BROKER AND OPTIMUS AUTOBODY ON CAR REPAIRS AND WARRANTY CLAIM

I have been with Discovery Insure for over 4 years and now that I have claimed I know what type of company this is. Two issues- They cancelled my extended warranty without any direct notification and when I needed to claim I found out that it was cancelled 2 months ago. They also refused to give me a grace period despite me paying religiously for all these years. I asked to see the T&C's and policy info where it states it will automatically be cancelled in 10 years and they still have not given me this despite asking for it 3 times. Four people I dealt with could not tell me how much was my annual increase as they cancelled the warranty and gave me an annual increase last Dec. My premium only went down by R60 which didn't make sense. When I questioned them they said I was charged for Surge and lightening cover which I never requested, Also I received no direct notification of this. The Discovery broker, Neil Muller then told me my warranty was actually cancelled in April 2023!! And he said he was giving me a discount when I complained that my premium was not correctly calculated and they owe me money for the last 2 months. But when I checked the new schedule the supposed discount came with a higher excess hence a lower premium. This was also not directly communicated with me. Very ***** way of doing business and no transparency of changes suddenly made to your policy! Check your schedules very carefully with Discovery. They send you an email for your anniversary and refer you to your broker and hopefully he is a decent broker or they refer you to the app then later claim they notified you with a general email. No direct communication is in the email itself stating what changes they made! Very sneaky! Each time you ask why the premium is higher you are told a different story. The second problem was my claim last year which was sent to Optimus Autobody in Booysens and they confirmed 3 times with me that they put on a new bumper on my car. Seven months later I noticed the paint was cracking and peeling, I took it back to Optimus and notified Discovery. Optimus (Riaaz) said I probably had another bumper bash in a parking without my knowledge hence the cracks which was all speculation. He wanted to charge a further R2000 to fix the bumper again. I then took it to another autobody to get it assessed and photos show that the old bumper was filled on the affected area and put back on the car. There was also a broken bracket and cover on the under of the bumper. Certainly not a new bumper! I am appalled at the nonsense I was fed by Optimus while my car was in for repairs and afterward when they tried to make more money off me. How does Discovery approve such ********s? I also complained to Discovery about all the above issues - took them a week to respond on the first issue and gave me some nonsense general reply to a customer complaint and I still haven't heard back on the second issue sent a week ago. Pathetic service from Discovery, the panel beater and Discovery broker!