FNB Short Term Insurance is the worst.

The cover for the household content is R200k + and when an Eskom pole fell over and surge damaged a few of my electronic devices, they said I was only covered for R50,000 on surge. It covers only about one-quarter of the value of the damaged equipment. Part of the equipment was a fridge and with the long wait, I had to buy another fridge. However, they want to give me a voucher that forces me to buy in ONLY 3 stores of THEIR choice when I already bought the fridge. First of all, they don't care about the emergency of the claim. 1. Extremely bad customer service. 2. Over-promising and under-delivering. 3. They never call back as promised. 4. It took 2 weeks to send an assessor. 5. It takes so much hustle to be paid out in vouchers ONLY. 6. Still waiting for the settlement.