I would never use Hollard as there service sucks!

I really don't understand how these institutions operate, when they are trying to sell you something they call you endlessly. Try and call them for assistance and you swear that you are expecting them to walk of water! I keep calling their call center and get put on hold for 15 minutes at a time.....I am promised emails to log claims that never arrive and in the mean time get communication that accounts are in arrears. How do we win here???