Terrible experience, be very careful when you take household insurance

Be extra careful when you take up household insurance with discovery, they will only replace your loss via vouchers for either makro or takealot, I had to replace my daughters tablet after a break in due to school work and they refuse to pay me out for the one ****** in addition to that they want to replace my longines wrist watch and Nintendo switch with makro vouchers!!!! Unbelievable, unfair treatment for the client that has already been through a *******. Feels like I'm being ****** all over again by my insurance.