Terrible service from Discovery Insure

Discovery Insure is the worst insurance company I've dealt with in 30 years!!! Claims take forever, communication is non-existing and you as customer loose all the way!! A month after my freezer was claimed, the claim was resolved at a sub-standard supplier. I had no choice but to buy a new freezer, otherwise I would have lost all my food as well. They refused to pay out the money and rather used a second grade company to repair the fridge. Now my cell-phone got ****** and the claim is taking as long!!! How am I suppose the work without a phone. I pay a premium on an amount they set as the value for the phone, but now they want to replace the phone with a model that was discontinued at R5000 less than what I am paying a premium on and refuse to pay out the cash in order for me to buy a new phone!! Discovery wants to decide for you what you can get and from who, when you claim. What happened to this being a free country when Discovery acts as a dictator! Stay away from Discovery Insure at all costs, even if the premium is lower than other insurance companies, it's not worth it at all