Happy to receive monthly premiums but not willing to settle!

I just received a very disgusting/offensive letter signed by Greta Goosen basically stating that the frequency in which I claim is unacceptable. I have been a MiWay client from 2015. First official claim I put in was 20 Nov 2016, where my partner was in a car accident and passed away. The other claim I put in was last week Monday (16 Jan) where I was without electricity for over 2 days & had to throw away all my food in the fridge. I just called MiWay now and spoke to Maropeng and she tells me that MiWay only looks at the amount paid by myself since inception versus the amount paid out as a result of my claims. She advised me to avoid putting in claims atleast for a year and rather just "settle" what I can myself. Since the mentioned claims were out of my control, I would like MiWay to please tell me how I could have avoided the accident where I lost my partner and also Eskom not having their transformer blow up leaving me without power? I would like MiWay to give me a planned schedule, (ie routes to avoid, power outages in my area, etc) of how I can avoid future occurrences in my life so I do not have to claim? I have insurance cover for a reason: for unexpected "things" so I can have peace of mind ! So what will happen tomorrow if I get involved in an accident, or my house is broken into or gets flooded? Why is MiWay so happy to take money from my acc monthly and have a problem when I claim? According to you, why do you think I have cover? This type of treatment is disgusting and you have left a bitter taste in my mouth. I need you to also point me in my insurance contract where you explain this "frequency nonsense" and also where you guide me how to avoid NATURAL DISASTERS OUT OF MY CONTROL! You are behaving like bullies and parasites! Maropeng also mentions a claim in Oct 2016, which by the way I cancelled myself after putting the claim in because I had thought my tv was struck by lightning. However, Miway conveniently did not annotate a claim I put in last year where I was stuck on the side of the road waiting for road side assistance but no one ever came. I covered the costs myself and todate, was never reimbursed for that, all I got was a stupid apology & that the agent will be reprimanded! Because this was your fault, you don't mention it????? DISGUSTING. PATHETIC!!!!