Premiums

I am a client and had a cell phone for R3500 with a premium for R18 odd rand specified. I had to claim for this cell and it was paid out very fast. Great service. I then replaced it and added the new cell R3000 onto my policy and got quoted R85 odd rand pm. I clearly stated I am the broker also and NO commission is to be payable on my policy.... I send a mail.... no response....send another mail. Got response to say staff does not always respond to their outlook messages and was given a list of mail addresses and my complain/query was escalated. Just had a call from a lady whom for sure did not know what she is talking about. R8 discount was offered... are you joking.... because of loss ratio my cell phone premium is so high... excuse me I HAVE NEVER CLAIMED for a cell and I could care less about your pool..... my stuff is specified. She insisted I added a cell for R3500... for heaven sake woman can you READ. Momentum is very famous for not removing items claimed for. A client had a vehicle written off last year in March...Momentum honoured the claim and paid client value,.new vehicle was added. Never took old vehicle off and had to refund the client for 9 months.