Over promise, no delivery

Very disappointed with the service and overall lack of coverage for our short-term and car insurance. No transparency in their dealings, and when it comes to normal, everyday services and claims, they just casually inform you that your so called 'premium' cover doesn't allow for such. On more than one occasion were we surprised by what was not actually covered, even though their documents leads you to believe it is. Their road-side assistance is a joke - I was stuck next to a rural road for 3 hours while they tried to source a service provider. I had to make other plans, and could not wait for them any longer.