Poor service

When i try and claim with hollard i am refered to Sovha who handles their claims first im told they didn't recieve my premiums for January and the fact that it shows on my statement means nothing ao i needed to call between Edgars RCS and Sovha and IUA to sort it out then 4 days later i get a email from hollard saying my claim is declined due to outstanding ITC number which i was something no one asked me as the phone did not have a sim card at time of incident phone is used mainly on wifi. Then i had to go through the whole process of reviewing claim which will take another week if not more all this happens because there are too many roleplayers involved in the process. Unprofessional to say the least payments are made on time and when it comes to payout or claims its like running into a wall ive been insuring my devices with hollard for years but once my claim is sorted im defnitly cancelling all my policies with them.