false advertising, disgusting

<p>I have been insured with discovery insure for well over a year and i have been paying them my premiums of almost R2200pm on time ever month. When i 1st signed up for this policy, the sales lady over tye phone did confirm that i was covered by an excess waiver. What she explained to me was that in the instance i ever had a claim, my excess would be "zeroed" because the excess waiver was included into my monthly premiums. Afterall to pay around R2000 a month to insure a car thats valued at no more than R100 000 was quite a bit so i started to shop around for better insurance premiums. I came across a company that bettered my premiums by almost R900 which i was extremely happy with because it also included an excess waiver and the lady explained to me how the excess waiver works. I had an incident at home this morning whereby my car bumper was scratched so i called Discovery to log a claim, the consultant over the phone told me that i dont have an excess waiver and that i never did however i did put a claim through last year june and i paid no excess. When i called through to Discovery insurance service department today and asked what an insurance waiver is they explained that it removes any excess apon a claim so my understanding of it is correct. I feel like i am being ****** and that No one can help me. I was sold an insurance policy under false pretences and now they expect me to pay a R3000 excess for a claim that will cost around R3000 to repair. This is ****************!! Please can someone assist me.</p>