R 2000 excess fee of R 2599 claim

I recently had a surge go through my house hold on the 3rd December 2022 - damaging my graphics card and my Microwave.

I logged the claim with my Insurance Discovery which has always be on point within 3 to 4 working days my previous claims was paid out or replaced and my excess fee was R500.

After i logged my claim i had to follow up myself as the consultant assigned to my claim number was worthless as there was no attempt to assist me. Eventually got hold of someone and that said that they would have the goods collected and sent to Chata Tech for damages assessment - bear in mind i have already taken my goods to be assessed to Incredible Connection an was declared uneconomical to repair - i forwarded the damage report with the replacement quotes to the agent and was told it will go to Chata tech - it took Chata tech 4 days to tell them that the damage on the card was wear and tear card is 2 years old - Microwave was approved for surge damage

After having to phone again to follow up on my claim - i was told that the Microwave has been approved to be replaced through Kloppers for R 2599 etc, the shock was they telling me the access fee is R 2000 - how does a insurance company justify that amount?? The new unit is R 2599 and the excess fee is R 2000 - this is ridiculous how does that even make sense?? My entire house electrical appliance has surge protectors on them, but with load shedding the surges still slip through the cracks and damages your units.

So now i have to pay and excess amount thats basically the price of the microwave to have it repaired!! Is it not the idea of insurance to have it that you dont have to be burdened with huge loss that you pay a company to ensure your goods are secured.

I pay my insurance every month and now that i reach out to them for help they are basically telling me ***** you. R 2000 excess for a R 2599 Microwave replacement - i am lost for words.

My mother had a claim on her car the other day of R 28 000 in damages her excess amount was R 2500 that makes more sense.

I have decided that they can pay the money thats left of the R 2599 in my account which is R 599 after they take the R 2000 excess.

I am lost for words