Dotsure.co.za, WHAT AN ********* COMPANY

My personal experience is shocking with this company called Dotsure, they are in my opinion an ********* company and I would not want to be associated with such a company, I am in the process of obtaining other insurance quotes as this was the last straw. You submit a claim and the claim is being rejected due to wear and tear (I did not agree with this) but the cherry on this cake, THEY PENALIZE YOU WITHOUT COMPENSATION AND REDUCE YOUR PAYOUT NCR CLAIM WITHOUT PAYING OUT THE CLAIM, HOW ********* IS THIS?????? So when you go to the supermarket and you take something off the shelve and you asked at the counter for the item to be returned, you get billed for the item but can't take it out of the shop, same principal applies in this instance. The call center operator working for Dotsure even agreed with me on this statement, that this is *********, hence the reason she actually did the right thing and followed this through to another department. Then an arrogant call operator calls me and after explaining my situation and stating that this behavior is *********, I state I should cancel whereas I have never been pushed to cancel a policy, first he said he will put me through and then twice asked me if the cancellation department should call me to cancel my policy. (Maybe guilt from ********* behavior??? One will always wonder hey?) This employees name was something like Lindisusu. The best to me was where he actually opened the can of worms with the reference of the shopping center and this situation not being the same whereas there are administration costs, I then it was clear, you pay a COST EVERY MONTH to Dotsure for a service and cover and they still penalize you for submitting your claim due to administrative costs? OH WOW, THIS IS A NEW LOW ON ETHICAL VALUES. Then he stated to me the terms and conditions clearly indicates this, EXCUSE ME BUT DOES A COMPANY LIKE THIS ACTUALLY STATE THEIR ********* BEHAVIOR AND PRINCIPALS IN WRITING? SO IN MY OPINION I WOULD ADVISE ANY PERSON IN SA TO THINK TWICE AND READ MY REVIEW BEFORE CONSIDERING INSURANCE WITH DOTSURE , READ THEIR TERMS AND "ETHICAL" CONDITIONS FIRST!!!!!