Wasteful insurance and horrible service

I have come understand the importance of reviewing policy products prior subscription and monthly payments through FNB which I have for unknown reasons stayed loyal to for over 10 years. 3 years ago I took cell phone insurance which I paid for without any default. I remember the lady I spoke to on the day informing me that I will receive the cash payout as per my current phone less their excess of R1000. Now 2 weeks ago I lost my cellphone and lodged a claim. Whilst awaiting for the claim I decided its better I buy a phone as there are things I could not do which required a smart phone, but would obviously not buy one without making contact with them. I called them about 6-8 times without going through, their system/voice recording informed me to leave a message. On that fateful day, I saw one phone I was interested in on special ending that day so I asked FNB person assisting me for a call, nothing. I sent another email again and again, and even stated I couldn’t get through for over 8x and wrote my question, nothing. I raised my disappointment through the FNB care email and CEO complaints email only to be called and be told they are finalising my claim, no response in terms of my question I sent on email. Finally when I got the call about the approval of the claim, the agent informs they will replace my phone which I bought over 3 years ago. FNB has no care or regard to the fact that there has been many technological changes from AI to 5g from three years to date, and if I do not want the aforesaid, they will pay out a cash settlement in terms of their value less the excess amount. The interesting part is their value is not what’s in the supplier’s website as the current price. The further interesting part is that their policy always have yearly increase for the consumers to be informed that the insured items’ value has dropped and they would not get what they were initially covered for. When I asked why the price increased if the phone’s value dropped, was informed “ it’s not their job to check the value but the consumer must call and inform them”, surprisingly its their job to check that value when the consumer needs what’s due to them. Now I have to ask myself about the vehicle insurance which I have been paying for over 5 years, should something happen to my vehicle, im sure I will now not get anything in terms of their value despite increasing the premium yearly, maybe my life is not what the life cover value was initially covered for and my family will be left without anything should anything happen to me, my funeral policy has doubled and I remained with them despite, same as my law on call which I already saw someone complaint prior raising my complaint here. I asked to be removed from their private clients card in January, have made follow ups, to date I’m still not. Despite accepting the said value for the cellphoe that I found to be insulting and close to nothing so I can finalise the claim and cancel all my insurances, 7 days later, im still following up for payment despite being informed I would be paid in 3 days. If you have never been made to feel like a beggar by your own insurance that you pay so much for so long, for as long as one is under FNB insurance you are bound to experience it.