Short term insurance

In 2024 i moved my insurance short term over to FNB, the sales consultant was quick to respond and my policy was taken over like for like, or so i thought.......In March 2025 i tried to contact the sales consultant but no one responded. I tried to submit a claim .. even worse. In April 2025 the brakfontein substation burnt and i was left without electricity for 11 days in which most if not all foods spoiled. When i tried to claim that damages i was told by FNB that you can not claim for the food if the fridge is working.. WOW how does it work when the power was off?? im not waiting to see if any other claims in future will be paid...... Moving to FNB was a big mistake.