No monies saved no proper service

November 2018 I logged a claim via the app. Needless to say that after waiting for a while we paid the claim ourselves. When we eventually heard from you, you still wanted the full excess. This year I had another incident. I again tried to log the claim via the app as was suggested previously by the representatives. The app said: cannot log the claim right now but a consultant will be in touch. I waited a few minutes and re-logged the claim. Received a call back today and was informed that the claim was not properly processed by the app and therefore the claim is being re-processed and the full excess is now payable. This is ridiculous and a full money making scheme. Not only does the app take your data and not working properly but no monies was saved as promise. I really need better insurance. Any suggestions out there. Please, I cannot go through this fight with insurance with every claim I need assistance on. This is pathetic to say the least. No monies are being saved on the users side, but the insurance companies are getting richer by the minute.