Finrite are *********

So far Finritr has dishonored a valid claim and has cancelled my insurance without my authorization. Now I go to claim my replacement phone and I'm told that the excess is R4800. Which is impossible. According to their insurance terms with Vodacom, the excess is 15% of the cost of the device. My device (the iPhone XR) is 12k making the excess around R2k. Turns out that Finrite mark up the phone value on their side so that the excess amount increases. Lovely.