FNB insurance is extremely poor!! Avoid at all costs!!

I have short term insurance with FNB and it is the second time that I have been struggling greatly to make changes to my policy. The first time, I have tried to cantact them for four days straight- by calling them directly, requesting a call back, through my personal banker, and was only able to get any form of response from the App's chat service. It is now the second time, more than a week now, still not being able to get hold of them, simply waiting for my next INCORRECT monthly debit order to go off. It makes me wonder if, God forbid, the car is in an accident and I have to claim anything. Can you imagine how poor the service is going to be then? It's really poor, and definately not the service I expect from a "Private Wealth" banking service.