Worst Insurance Company - Take people's money, claim stage always excuses not to pay

This review i am writing to let other people out there know what Hollard truly are and they way they treat their clients. In July there was a break-in at my place that i rented on a small holdings. I had Covid in April and ever since been in and out of hospital. We discovered the break-in when we arrived and immediately opened a case at the Police Station and an investigative detective was appointed and an assessor. After Almost a month i had to open a complaint as most of my belongings were ******. It was hell as it was clothing and daily items one uses. I co operated fully and provided them with proof. Proof that was difficult to obtain as my hard drive was also ******. The claim after weeks and many fights was settled. My other belongings were in storage on the premises quite a distance from my place. Most were stored due to it being a one bedroom. Everything in storage was sealed in boxes and plastic bags and so forth. The owner then renovated the unit with day workers for a few days and him and his gardener moved it to the back of the same premises without my consent or being there. I then moved on the 31 of August and 1 September. WI found a place where I and my one best friend with her child were moving in together. We were moving three places things and my other friend was doing the loading with day workers. Early that morning of the day we moved the owner informed me that they moved everything outside from the storage place. Packed on a heap. We only arrived late the afternoon to collect all the things. I was mostly not involved and the moving was done by my friend and workers. We the moved all the storage things in the garage and left it there as we used what we had in our places. I was the Hospitalised again and there were so many thing going on. On the 17th of October we sorted out everything and We realised that several things were missing. I contacted the owner and the owner informed me that he has no knowledge of my things at all. He mentioned that that day was the last day that the gardener was there and he never returned and they cant get hold of him. He suspects that Julius has ****** the things and that some of their things were also missing. I then opened yet another case and specifically on the affidavit asked for an investigation to be done. I also referred to the previous Break in on the affidavit. I was contacted by the same detective from SAPS that investigated the previous case. I provided him with all contact details of other tenants and the owner. He then went to the place and questioned them and took two statements. The previous case was closed and then the detective went with the previous list of ****** goods and asked them about it, The case was already closed. He then phoned me and threatened me and said he got two statements by the Owner Charles and Rina. The apparently said that according to them some of the previous claim items was never in my house and he is going to charge me with insurance *****. I then phoned Charles and Rina and they deny their statements and they said they did not know what was in my place nor in the tings in storage. The detective also said that he did not see anything at the premises of Charles. I gave him the list of ****** goods and he APPARENTLY did not see anything. Then Hollard appointed an external assessor company AXIS. Theo the assessor was given telephone numbers of witnesses and all proof as required. We spent hours for a few days. He then went to Charles the owner to question him. He then returned to me to say that the photos i provided my water dispenser and Conventional oven was there with them, but the detective never saw this. Charles then came up with a story to cover himself. Why would one claim goods if you know it is with them. Why would i send the details of Charles to the assessor and take a risk if i knew the things were there. Charles stole the things and is trying to cover him. Theo also contacted the detective to get information and from him. At the moment i have consulted with many legal personas regarding the matter and i am sitting with proof that their statements are not vaid and all on recording. But the detective is *********** and does not want to grant me the opportunity to give my statement nor my evidence. Theo from Axis did not focus on this current claim and mainly focused on the previous claim. I mentioned relevant things that i feel is important and he said its irrelevant and wont make a difference. He followed his own head and made assumptions. Almost a moth later yet again Hollard rejected the claim without providing any reasons. This whole incident has lead to me having a mental and emotional breakdown and being hospitalised. Complaints department are ridiculous and slow. I have paid my premiums for my insurance and i was adequately insured. There are many things that the assessor has done wrong *********ly as well and with regards to SAPS we are taking them to IPID for further investigation. WHy would i specifically ask in an Affidavit for further investigation and refer to the previous claim if i knew i **** or it might cause trouble. I am not satisfied with the Assessor AXIS, nor Hollard. I paid my premiums and was adequately insured. Charles on the other hand also during the investigation said that there was yet another break-in at the same place where my things were stored. He suspects it was the gardener. He never reported it to the Police station as he said it's not his style to claim. I a sitting with so much proof and witnesses that my things were there and that they are now gone. They also renovated the part before they moved my things without my consent, many daily workers were there, some windows were installed and let open. The loss could have occurred there or by the gardener or Charles, as i mentioned some of my things were found at the premises of the owner. I am not leaving this here and will take this to all social platforms if i should. People should know about how Hollard operates. Take your money and then always have a problem with a claim. I want a re assessment to be done or and assessor from Hollard to compare my story with the report of the ****ty external Assessor company. This is almost a month and they rejected the claim!!!!! People share this and make other aware. This is the short version, but i will show my point and my proof and witnesses will com forward. I want an answer what solution will be app**** to this matter within 12 hours.