Bad reputation

<p>I have taken out an insurance policy for my KIA PICANTO vehicle , which i am paying R621.00 a month, &nbsp;I have never defaulted in my premiums, and i have never claimed. Recently on May 2nd 2016 i called them for road side assistance, My car broke down on the N1 highway near Lynwood, but the consultant told me that i am only covered from where i was stuck to the nearest KIA dealer, which i was unaware of, and if i want my car to be taken to my house i have to pay anextra &nbsp;R810.00 cash to the driver of the car who has to tow my car. I asked her that is it everyday that a person drives around with that cash on their wallet. She didn't even want to understand my case of me not having the money with me. &nbsp;So i asked her, in the case that i don't have the money to pay the driver, obviously i don't have cash to fix my car at that moment.. So the only solution was for me to leave my car on the highway due to me not having the money, remember i am paying this insurance every month. &nbsp;After a long conversation the lady changed her mind, &nbsp;told me that they can tow the car to a safer location, which is not the dealer, because i couldn't afford that, and they refused to take the car to my house. &nbsp;So i have to leave the car in some place in Centurion, without me paying. &nbsp;So i made a call to talk to a HOLLARD insurance consultant, His name was Neil, whereby he understood my case and told me that infact they should have towed me to Tembisa without me paying, due to the fact that i couldn't afford to take the car to the dealer, unfortunately they won't tow me for the second time to Tembisa. (remember i am paying every month) But Neil told me that he will look into the matter and come back to me, which he never did. So i called the next day again, he was no longer available. So i had to talk to another consultant his name was Victor, he went through my report and told me that they won't be able to assist me. (Remember i'm paying this people, for them to tell me that they won't help me. ) I then asked him to cancel my insurance with Hollard, he then told me that he is not authorised to do that, but he can transfer to claims, that's where they can be able to help me get out of this unworthy agreement with them, I agreed. i kept on holding the line, when a person picked up the phone, i only find out then that he transfer to a different company called TELECOM, I asked the lady to transfer me back to Victor because she said i don't exist anywhere in &nbsp;their institution. I hanged up and called Hollard again, at this point neither Victor nor Neil was available to assist me in my case. &nbsp;WHAT IS THE POINT OF HAVING AN INSURANCE, whereby, when you need help they can't assist you.&nbsp;</p> <p>&nbsp;</p>