Lack of feedback or action taken

I was involved in a motor accident in November 2013. We were completely blameless for the accident. Discovery handled the process efficiently - HOWEVER, I have yet to have my excess refunded. On getting feedback from discovery, the operator said that it was processed that I was at fault and Discovery themselves were therfore out of pocket as they never claimed from the 3rd party, who acknowledged 100% guilt. It has been over a year now and I am still out of pocket - R 2 000.<br> <br> Further to this - the monitoring of DQ Tracker has been faulty, and most disturbingly, was picked up by me, at least 2 weeks after it stopped sending signals. We, rely on this tracking device for hijacking and theft. This was extraordinarily concerning. I have yet to have positive feedback as to how this will be avoided.<br> <br> On another incident (we've been unbelievably unlucky over past 2 years, and Discovery must regret having us as clients), but in two cases I reported ***** from their suppliers. I never received feedback from them.<br> <br> The service over the past 6 months has declined immensely to the point where I'm wondering whether I've been flagged for poor service to encourage me to change insurers. <br>