Pathetic service

Our car and household contents has been insured with Discovery for over a decade now. At first when we insured with discovery their service was great and then it started going down hill. Recently we put in a claim for a few house hold appliances that got damaged, could have been storm damage or damaged due to load shedding which has been a constant in South Africa for a while now. We logged a claim with our broker and they put me in touch with a discovery agent, and thoughtout our call I kept on telling the agent I am not sure of how the stuff got damaged. We go to work at 6:30am and come back home at 6pm we are hardly ever home to use our appliances and we dont ever see our nanny for her to inform us of what is going on at home. We only noticed a few applicances not functioning properly or not functioning at all due to the heavy storm we experienced in our town. Discovery logged the claim and sent a technician to assess the appliances. One would atleast expect the service providers to be well presented. We were not pleased with the essessor as he was not properly attired wore jeans and tshirt and slops and drove a run down vehicle that had no signs to suggest which company he was from. The guy did not test any appliance or open up any appliance to check it, he just looked around and left. Discovery sent out their own assessor who came in and had a look around and proceeded to basically school us on insurance, we reported to both the Discovery assessor and our broker about the the kind of technical assessor that they sent out to our home. We were not happy about it. And then we get a rejected claim with a totally bull**** report from the so called Technical essessor. We were told we could dispute the rejected claim which we did and was told it would take +-30 days but the broker advised that they will try to speed up the process. So long story short we get another email advising that the dispute was rejected and if we do not agree to the report we must get our own assessor and pay for them to assess our appliances and submit the report to them. We were not very impressed with the technicians that Discovery as a highly recognised service provider, had sent our to my property. We pay a very big premium every month without fail to Discovery for not just contents cover, but also Medical Aid and Life Insurance and for us to be getting this kind of service from Discovery is not on. One would atleast expect the service providers to be well presented. One would think that you need to keep your older clients happy, we don't even get calls from discovery thanking us for our continued support or for our business, but we get emails for increases and after they cannot approve a claim why should my premiums be increase it's not as if the service level has been upgraded. This is the worst service I have ever received from a service provider, I am now forced to look for alternative insurance companies and also medical, Discovery will not be getting a cent more from me for their pathetic service.