Home content not worth a dime

I have my car for about 8 years now and I have comprehensive cover and home content with 1st for woman. I have never claimed so I didnt really have experience when it comes to claims. My tv broke down it worked but it had no picture so I claimed with my insurer for an excess of 2100rand. I was first bul**** into taking a 3100 excess without coming out to assess the tv and when I said no i would like you to take a look at my tv the operator got mad. My tv was then collected and valued for 3999 and a excess was deducted of 3100r and 749r was paid into my account. After numerous calls I was told that my excess has been increased and they did not inform me about the process of taking the excess amount and paying me the 749r. I am so angry I have no tv anf was only paid out a 749r. I pay them a monthly premium of 1095r every month and I get this type of treatment. I dont want to think about what will happen in the event of a car accident. They are ****** and do not want any dealings with them