DISHONESTY OF DISCOVERY

After weeks of waiting for the claim to be finalized, Discovery doesn't want to replace my insured devices instead they want to settle the claim with a cash payout method instead of replacing the devices which is inconveniencing me because when I was taking out the insurance the consultant advised me that in the incident the devices are lost/damaged the insurer will replace the make and model as long as the devises are still in the market regardless of whether there is a price increase or not. And I asked him if I should set the value of how much I would like to insure the devices for and he said no.

Today when the claim specialist named Catherina Van Der Merwe finalized the claim she called me and asked if I set the replacement value and I said no and told her that I asked the consultant if I should set the replacement value and he said there is no need while Catherina said I should have. I was given incorrect information by the consultant. She then said she will listen to our phone conversation and get back to me. She then send me an email saying she has listen to the conversation and said that the consultant said I quote: "I listened to the conversation between yourself and the consultant at the time you took out the policy. As per the discussion the consultant explained that if we can’t replace your make and model for the replacement value then you get a cash settlement".

I requested for the recording, the recording was 17 minutes and 3 seconds, which was cut short and was not a full recording between me and the consultant and what Catherina said which I quoted above is not in the recording, I asked her to advice me between which minutes and seconds did she hear the consultant saying that to me.

I am not happy with the level of honesty between Catherina and me. I would like to talk to the claims manager and I would like the contacts details of the Ombudsman.