Momentum Insure Claim Time.

Day finaly cme for a claim after 6 years claim free. I purchased a Flat screen for R11000 Momentum iInsure only paid R7999.00. Does not have the feature my old one had. Could you imagine if I claimed on one of my vehicles what would have happened? I had the chance a month ago to move to another insure company that had no excess and better benefits, BUT Momentum Insure did not want to loose me as I had been so long with them. So all they did was match the premium. Flip did I get *****d now on a claim. Let alomne the hoops you have to jump through to do a cliam. Well I have gone back to the other insurance company, tail between my legs and statred again.