Pathetic Service Delivery

Due to weather conditions, we could not board the Msc in Capetown and was sent to the nearest hotel on the MSC list. We were informed that we were to complete forms and submit proof of payments for our refund. Upon submission Hollard insurance fails to provide and process my claim as I made cash payments. We were not informed to use credit card and why pay by credit when cash was easily accessible knowing the fact that I was on honeymoon and was the first time on a cruise ship. Hollard service is ridiculous and the consultants are so rude. They refuse to reimburse my money yet promised by msc that I will be refunded. Pathetic service delivery