FNB - Travel insurer

This complaint is directed to the service providers that FNB use. I generally give FNB feedback about CCD couriers and TIC travel insurance who have given us poor service over the years however FNB continues to use these companies. TIC travel being the most frustrating when it comes to services as they fail to respond to claims at the most unprofessional manner. My second complain towards TIC where they declined my travel claim. This time it was for my flights being cancelled due to operational reasons in February. I made a claim then and only received feedback 2 weeks ago. Flight cancellations are the most essential and common and should be the most basic thing in a travel insurance. So FNB use this provider for free travel insurance however they do not cover the most basic and common thing such as flight cancellation. Previously ny claim for baggage damage was also declined. FNB use a phrase HOW CAN WE HELP. However when we report matters like these, they continue using TIC yet they have been the worst travel insurer in service and fail to cover the most basic claim such as flight cancellation. FNB need to start listening to their clients as use more efficient service providers.