Quote - No assistance or advise.

We are currently considering moving over to another Insurance. I requested a quote and initially was assisted exceptionally by Rodwin Jones. I asked for the excess buster. All details were supp**** correctly. The quote was a bit high and the same installment that we were paying in Johannesburg, which in my opinion is a much higher risk area than Klerksdorp. I then contacted another Insurance, also with a good rating. Their quote was much lower than the one I received from Discovery, but they didn't offer an excess buster but an excess flat rate. I contacted my broker, to see whether he could negotiate a better rate. That is when everything changed. I am assuming the consultant who initially help me, would no longer be getting commission hence the serious attitude adjustment. This morning I phoned again and spoke to Isaki Mphande explaining my situation and that I needed a lower installment and whether an excess would make a difference. He then proceeded to ask how much excess. That is when I lost my temper, since I wasn't a consultant and had no idea what excess, and what would be affecting my premium. I ended up giving amount, similar to the flat rate excess with the other company to which he advised, that it only made a Fifty Rand difference. My question now is: Is this the way that discovery handles potential new client once they discover they have a broker and aren't getting the commission? How about giving your potentially new customers some suggestions in getting the premium lower. For example, 10% excess on a household claim would reduce your installment by X amount. Or, you have portable possessions which is a high risk, if you added R750 excess, this would reduce your premium by X amount. We have had our drivers license for 18+ years, yet the car insurance from Discovery differs by nearly R100. The portable excess (to which the one got a R750 added) is R70 more expensive and the household content is R120 more. That is R290 more than the other company. Sure it's easy to say you can get back a R800 fuel spend. Discovery is currently more expensive than my current insurer - not as well rated as discovery, but also a big insurance company. You already have a client on your medical aid for years, a client that would like get another product, and this is how difficult it is to get proper assistance and guidance with a new quote for a new potential insurance client. Don't you need more customers, are you selective about your customers and if your consultants have got a problem with brokers getting their commission why even have brokers?